Question 1

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

Accepted Answer

No. Eligible veterans can finance 100% of the purchase price. That's VA's most valuable benefit.

Question 2

Can I use a VA loan on an older Isleton property?

Accepted Answer

Yes, but the home must meet VA's minimum property requirements. Older Delta homes sometimes need repairs first.

Question 3

What is the VA funding fee?

Accepted Answer

It's a one-time fee between 1.25% and 3.3% of the loan. Disabled veterans are fully exempt.

Question 4

How does a VA loan compare to FHA in Sacramento County?

Accepted Answer

VA has no mortgage insurance and no down payment. FHA costs more over time for most eligible veterans.

Question 5

How long does VA loan approval take in Isleton?

Accepted Answer

Typically 30–45 days. VA appraisals can add time — order them early.

VA Loans in Isleton, CA — Zero Down for Veterans