Question 1

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

Accepted Answer

No, if you have full entitlement. Veterans with full VA entitlement can buy in Fontana with zero down, regardless of price.

Question 2

Can I use a VA loan to buy a multiunit property in Fontana?

Accepted Answer

Yes, up to a 4-unit property — but you must live in one unit. It's a solid strategy in Fontana's rental market.

Question 3

How long does a VA loan take to close in California?

Accepted Answer

Typically 30-45 days with a prepared lender. Delays usually come from appraisal scheduling, not the VA itself.

Question 4

What's the VA funding fee for a first-time VA buyer?

Accepted Answer

It's 2.15% of the loan amount for first use with zero down. Disabled veterans may be fully exempt from this fee.

Question 5

Will Fontana sellers accept VA offers?

Accepted Answer

Most will. The hesitation comes from appraisal repair requirements, but an experienced broker handles that upfront.

Question 6

Can I use a VA loan if I'm currently active duty near Fontana?

Accepted Answer

Yes. Active-duty service members with sufficient service time are fully eligible. Your COE confirms your status.

VA Loans in Fontana, CA — Zero Down for Those Who Served