Question 1

Can I use a VA loan to buy in Gonzales with no money down?

Accepted Answer

Yes. Eligible veterans and active-duty members can buy with zero down. You still pay closing costs unless negotiated otherwise.

Question 2

Does Gonzales fall under standard VA loan limits?

Accepted Answer

Full VA entitlement means no loan limit for most borrowers. Reduced entitlement borrowers follow conforming loan limits for Monterey County.

Question 3

What is the VA funding fee and do I have to pay it?

Accepted Answer

It's a one-time fee — typically 2.15% for first use. Veterans with qualifying disability ratings are exempt.

Question 4

Will sellers in Gonzales accept a VA offer?

Accepted Answer

Some sellers worry about VA appraisal requirements. A solid pre-approval and an experienced broker help your offer stand out.

Question 5

Can I use a VA loan to buy a multi-unit property in Gonzales?

Accepted Answer

Yes, up to a 4-unit property if you occupy one unit as your primary residence. All units must meet VA property standards.

VA Loans in Gonzales, CA — Zero Down for Those Who Served