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Isleton sits in the Sacramento-San Joaquin Delta — a quieter, more affordable corner of Sacramento County. For veterans, that affordability pairs well with VA's zero-down benefit.
Sacramento County's housing market runs cheaper than the Bay Area. VA buyers here can often cover the full purchase price without a down payment.
0%
Down Payment
620 (common)
Min Credit Score
None
Mortgage Insurance
1.25% – 3.3%
Funding Fee Range
30–45 days
Typical Close Time
VA Loans in Isleton
You need a Certificate of Eligibility to use a VA loan. Most lenders also want a 620 credit score, though some VA lenders go lower.
Debt-to-income ratio matters too. Most lenders cap it at 41%, but VA's residual income rule often lets strong borrowers go higher.
Local decision guide
Use this guide to connect va loans eligibility, lender expectations, and local market factors before comparing payment options in Isleton.
Isleton sits in the Sacramento-San Joaquin Delta — a quieter, more affordable corner of Sacramento County. For veterans, that affordability pairs well with VA's zero-down benefit.
Sacramento County's housing market runs cheaper than the Bay Area. VA buyers here can often cover the full purchase price without a down payment.
You need a Certificate of Eligibility to use a VA loan. Most lenders also want a 620 credit score, though some VA lenders go lower.
Not every lender works VA loans well. Some treat VA like a checkbox — they miss overlays that hurt your approval or slow your close.
At SRK CAPITAL, we shop VA loans across 200+ wholesale lenders. That means we find who prices VA best for your specific profile in Sacramento County.
The VA funding fee trips up a lot of buyers. It ranges from 1.25% to 3.3% of the loan amount — but disabled veterans are exempt.
Isleton's smaller market means fewer competing offers. VA buyers aren't at the disadvantage here that they face in hot suburban markets.
FHA requires 3.5% down and charges mortgage insurance for the life of the loan. VA costs nothing down and has no mortgage insurance — ever.
USDA also offers zero down in rural-eligible areas. Parts of Sacramento County qualify, but USDA has income limits. VA does not.
Isleton is a small Delta town. Properties here sometimes include older homes or unique structures — VA appraisers will flag deferred maintenance.
Get a thorough inspection before the VA appraisal. Surprises on condition reports can delay or kill a VA close in a thin inventory market.
No. Eligible veterans can finance 100% of the purchase price. That's VA's most valuable benefit.
Yes, but the home must meet VA's minimum property requirements. Older Delta homes sometimes need repairs first.
It's a one-time fee between 1.25% and 3.3% of the loan. Disabled veterans are fully exempt.
VA has no mortgage insurance and no down payment. FHA costs more over time for most eligible veterans.
Typically 30–45 days. VA appraisals can add time — order them early.