Question 1

Do VA loans have a loan limit in Sacramento County?

Accepted Answer

VA eliminated loan limits for full-entitlement borrowers in 2020. You can borrow above conforming limits with zero down if you have full entitlement.

Question 2

Can I use a VA loan to buy a multi-unit property in Rancho Cordova?

Accepted Answer

Yes — VA allows 1-4 unit purchases. You must occupy one unit as your primary residence.

Question 3

What is the VA funding fee and how much will I pay?

Accepted Answer

It's a one-time fee paid to the VA, ranging from 1.25% to 3.3%. Disabled veterans with a service-connected rating are fully exempt.

Question 4

How long does a VA loan take to close in Rancho Cordova?

Accepted Answer

Typically 30-45 days. VA appraisals can add time if the property needs repairs to meet VA standards.

Question 5

Can I use my VA benefit more than once?

Accepted Answer

Yes. You can restore entitlement after paying off a prior VA loan. You can also hold two VA loans simultaneously in some cases.

Question 6

Does the seller have to pay closing costs on a VA loan?

Accepted Answer

No — but sellers can. VA limits what buyers can pay in fees, so seller concessions are common on VA transactions.

VA Loans in Rancho Cordova: Zero Down for Veterans