Question 1

Can I use a VA loan in Dos Palos with no money saved?

Accepted Answer

Yes. VA loans require zero down payment. You'll still need to cover closing costs unless you negotiate seller concessions.

Question 2

Is Dos Palos eligible for USDA loans too?

Accepted Answer

It may be. We run USDA eligibility checks alongside VA to find your lowest monthly payment.

Question 3

What is the VA funding fee?

Accepted Answer

It's a one-time fee paid to the VA, typically 1.25% to 3.3% of the loan. Veterans with disability ratings are exempt.

Question 4

Does the VA set a loan limit in Merced County?

Accepted Answer

VA removed loan limits for borrowers with full entitlement in 2020. Most buyers in Dos Palos won't hit a ceiling.

Question 5

How long does a VA loan take to close?

Accepted Answer

Typically 30 to 45 days. VA appraisals can add time — starting the process early helps.

Question 6

Can a surviving spouse use a VA loan in California?

Accepted Answer

Yes, if the spouse meets VA eligibility requirements. We help surviving spouses pull their COE and get started.

VA Loans in Dos Palos, CA — Zero Down for Veterans