Question 1

Do I need a down payment for a VA loan in Seaside?

Accepted Answer

No. VA loans are zero down for eligible borrowers. You may choose to put money down to reduce your funding fee.

Question 2

Can I use a VA loan if I'm still on active duty at the Presidio?

Accepted Answer

Yes. Active-duty members qualify after 90 continuous days of service. Your orders and LES are your key documents.

Question 3

What is the VA funding fee and can I avoid it?

Accepted Answer

It's an upfront fee rolled into your loan — typically 1.25% to 3.3%. Veterans with a service-connected disability rating are fully exempt.

Question 4

Will Seaside sellers accept VA offers?

Accepted Answer

Most will. Some have outdated concerns about VA appraisals. A strong pre-approval and an experienced agent address that fast.

Question 5

Can I use my VA benefit more than once?

Accepted Answer

Yes. If you've paid off a prior VA loan or sold the home, your entitlement restores. You can also have two VA loans at once in some cases.

Question 6

Is there a loan limit on VA loans in Monterey County?

Accepted Answer

No hard cap for full-entitlement borrowers. Monterey County conforming limits apply if you have remaining entitlement only.

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