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Seal Beach sits on Orange County's coast where $750,000 purchases a single-family home. At 5.5%, the monthly payment runs $4,258 for principal and interest alone. That rate locks in for 30 years with zero down — a structure only VA loans offer.
Orange County's median household income of $113,702 supports this price range comfortably. Veterans here benefit from the VA's zero-down structure when conventional loans demand 20% down or FHA requires 3.5% plus mortgage insurance.
5.5%
Interest Rate
$4,258
Monthly P&I
$750,000
Loan Amount
740+
FICO Required
$0
Down Payment
30 days
Lock Period
VA Loans in Seal Beach
VA loans in Seal Beach require a Certificate of Eligibility and a 740+ FICO score for this rate. Down payment is zero — you're financing the full purchase price. The funding fee is 2.15% of the loan amount for first-time use, rolled into the loan.
Orange County's median household income of $113,702 easily covers a $750,000 purchase at this rate. Debt-to-income limits run 41-50% depending on compensating factors.
Local decision guide
Use this guide to connect va loans eligibility, lender expectations, and local market factors before comparing payment options in Seal Beach.
Seal Beach sits on Orange County's coast where $750,000 purchases a single-family home. At 5.5%, the monthly payment runs $4,258 for principal and interest alone. That rate locks in for 30 years with zero down — a structure only VA loans offer.
Orange County's median household income of $113,702 supports this price range comfortably. Veterans here benefit from the VA's zero-down structure when conventional loans demand 20% down or FHA requires 3.5% plus mortgage insurance.
VA loans in Seal Beach require a Certificate of Eligibility and a 740+ FICO score for this rate. Down payment is zero — you're financing the full purchase price. The funding fee is 2.15% of the loan amount for first-time use, rolled into the loan.
California lenders compete hard for VA loans because the VA's guarantee reduces risk. Retail banks, credit unions, and mortgage brokers all offer VA products. Brokers often close faster and offer more flexibility on overlays than retail banks do.
The VA market moves quickly — 30-day closes are standard, 21-day closes are common. Lenders must be VA-approved, which means they follow VA rules strictly. No surprises on rates or fees if you lock early.
VA loans pencil in Seal Beach when you have the eligibility and want to preserve cash. At $750,000, zero down saves you $150,000 compared to a 20% conventional down payment. The 5.5% rate is competitive with conventional at this FICO and LTV.
The trade-off is the 2.15% funding fee — $16,125 rolled into the loan. Over 30 years, that costs roughly $80 per month in extra interest. If you have cash and plan to stay five years or less, conventional at 20% down often wins.
Conventional 20% down at this price requires $150,000 upfront and no PMI. VA requires zero down and a 2.15% funding fee. The monthly payment difference is small — conventional saves roughly $80 per month because it avoids the funding fee interest, but you...
FHA at 3.5% down costs $26,250 upfront plus lifetime mortgage insurance. VA's funding fee is paid once; FHA's insurance never cancels. For a $750,000 purchase, VA's zero-down structure beats FHA decisively if you're eligible.
Seal Beach's location between Long Beach and Huntington Beach makes it attractive to military families stationed at Long Beach Naval Station and nearby bases.
Orange County's strong job market supports long-term home values. The median household income of $113,702 reflects stable employment across defense, aerospace, and tech sectors. Veterans buying here for the long term benefit from that economic stability.
No — VA loans require zero down. You finance the full purchase price. The funding fee (2.15% for first-time use) is rolled into the loan, so you don't pay it upfront.
Principal and interest run $4,258 per month at 5.5% on a $750,000 purchase. That's based on a 30-year fixed rate as of April 8, 2026, with a 740 FICO score and zero down.
No. The funding fee (2.15% for first-time use) is a one-time cost rolled into your loan. PMI on conventional loans is monthly and cancels at 78% LTV. VA's fee is paid once.
A 740 FICO score qualifies you for the best rates. Some lenders go as low as 620, but rates climb as credit drops. The VA itself has no minimum — lenders set their own floors.
Yes, if you have a 10% or higher VA disability rating, are a Purple Heart recipient, or are a surviving spouse. Otherwise, the fee applies and is rolled into your loan amount.