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Napa is wine country — and wine country is expensive. VA loans give eligible veterans a real path in without a large down payment.
The VA loan guarantee removes the biggest barrier most buyers face here. No down payment means more purchasing power in a competitive market.
0%
Down Payment
620 typical
Min Credit Score
No cap (full entitlement)
Loan Limit
None
Mortgage Insurance
2.15% (first use)
VA Funding Fee
VA Loans in Napa
To use a VA loan, you need a Certificate of Eligibility. Most lenders want at least a 620 credit score, though some go lower.
Active duty, veterans, National Guard, Reservists, and surviving spouses can all qualify. Service length requirements vary by era.
Local decision guide
Use this guide to connect va loans eligibility, lender expectations, and local market factors before comparing payment options in Napa.
Napa is wine country — and wine country is expensive. VA loans give eligible veterans a real path in without a large down payment.
The VA loan guarantee removes the biggest barrier most buyers face here. No down payment means more purchasing power in a competitive market.
To use a VA loan, you need a Certificate of Eligibility. Most lenders want at least a 620 credit score, though some go lower.
Not every lender handles VA loans well. Some banks treat them as a checkbox. You want a lender who closes them fast and clean.
At SRK CAPITAL, we work with 200+ wholesale lenders — several of whom specialize in VA. We find you the sharpest rate among them.
The VA funding fee trips people up. First-time users pay 2.15% of the loan amount. It can be rolled into the loan — no cash needed.
Disabled veterans with a service-connected rating may be exempt from the funding fee entirely. Always check before closing.
FHA loans require 3.5% down and charge mortgage insurance monthly. VA loans require nothing down and skip that cost entirely.
Jumbo VA loans are also possible in Napa County. The VA no longer caps loan amounts for borrowers with full entitlement.
Napa County has a significant veteran population tied to Travis Air Force Base nearby. VA demand here is real and steady.
Napa home prices run high. The no-down-payment benefit is especially valuable here — saving tens of thousands upfront.
Yes, as long as it's your primary residence. The VA won't finance pure investment or vacation properties.
Not if you have full entitlement. Borrowers with remaining entitlement may still face county loan limits.
Typically 30-45 days. Lender experience and appraisal scheduling are the biggest factors in Napa.
Most borrowers do. Veterans with a service-connected disability rating may be fully exempt — confirm before closing.
Yes. You can reuse your VA benefit after paying off a prior VA loan or restoring your entitlement.
Most lenders set 620 as the floor. Some wholesale lenders we work with will go to 580 for strong files.