Question 1

Can I use a VA loan in Taft with no down payment?

Accepted Answer

Yes. VA loans require zero down for eligible borrowers. Taft's price range makes this especially powerful for first-time veteran buyers.

Question 2

Does Taft qualify for USDA loans too?

Accepted Answer

Parts of western Kern County may qualify for USDA rural eligibility. Check both programs — USDA can work if your VA entitlement is already in use.

Question 3

What credit score do I need for a VA loan?

Accepted Answer

The VA sets no official minimum, but most lenders require 620. Some wholesale lenders go to 580 with strong compensating factors.

Question 4

Are disabled veterans exempt from the VA funding fee?

Accepted Answer

Yes. Veterans with a service-connected disability rating are typically exempt. Confirm your rating status before closing to capture that savings.

Question 5

Will older Taft homes pass a VA appraisal?

Accepted Answer

Many do, but VA appraisers flag health and safety issues. Budget for minor repairs on older properties — sellers can pay for them in negotiations.

Question 6

How long does a VA loan take to close in Kern County?

Accepted Answer

Typically 30-45 days. VA appraisals add a step, so starting your COE paperwork early keeps things moving.

VA Loans in Taft, CA — Zero Down for Veterans