Question 1

Do I need a down payment for a VA loan in Crescent City?

Accepted Answer

No. VA loans allow zero down payment for eligible borrowers with full entitlement. That applies in Crescent City just like anywhere in California.

Question 2

Is there a loan limit for VA loans in Del Norte County?

Accepted Answer

Not if you have full VA entitlement. Borrowers with remaining entitlement may face county-based limits.

Question 3

Does Crescent City qualify for both VA and USDA loans?

Accepted Answer

Parts of Del Norte County may be USDA-eligible. VA has no income caps, making it the stronger choice for many veterans here.

Question 4

What credit score do I need for a VA loan?

Accepted Answer

VA sets no official minimum, but most lenders require 620. Some wholesale lenders we work with go lower for strong files.

Question 5

How does the VA funding fee work?

Accepted Answer

It's a one-time fee rolled into your loan balance. First-time VA users pay 2.15%. Disabled veterans are typically exempt.

Question 6

Will older homes in Crescent City pass a VA appraisal?

Accepted Answer

They can, but VA appraisers flag safety and condition issues. Expect scrutiny on older properties — address known repairs before your offer.

VA Loans in Crescent City — Zero Down for Veterans