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Manteca sits in San Joaquin County, where home prices run lower than the Bay Area. That makes VA's zero-down benefit stretch further here.
Veterans buying in Manteca skip the down payment hurdle that stops most buyers cold. That's a real edge in any market.
0%
Down Payment Required
620
Typical Min Credit Score
Never
PMI Required
1.25% – 3.3%
Funding Fee Range
30–45 Days
Typical Close Time
VA Loans in Manteca
You need a Certificate of Eligibility — the VA issues it based on your service history. Most lenders want a 620 credit score minimum, though some go lower.
Active-duty members, veterans, and surviving spouses all qualify. Ninety days of wartime service or 181 days of peacetime service typically meets the threshold.
Local decision guide
Use this guide to connect va loans eligibility, lender expectations, and local market factors before comparing payment options in Manteca.
Manteca sits in San Joaquin County, where home prices run lower than the Bay Area. That makes VA's zero-down benefit stretch further here.
Veterans buying in Manteca skip the down payment hurdle that stops most buyers cold. That's a real edge in any market.
You need a Certificate of Eligibility — the VA issues it based on your service history. Most lenders want a 620 credit score minimum, though some go lower.
Not every lender handles VA loans well. Some approve the program but drag on VA appraisals and kill deals with slow timelines.
We work with 200+ wholesale lenders at SRK CAPITAL. We know which ones move fast on VA files in San Joaquin County.
The VA funding fee trips up a lot of borrowers. It runs 1.25% to 3.3% of the loan amount — but disabled veterans pay zero.
Sellers can pay all your closing costs under VA rules. Negotiate that in your offer and you could close with almost nothing out of pocket.
FHA requires 3.5% down and charges mortgage insurance for years. VA requires nothing down and never charges PMI.
Conventional loans need 5-20% down if you want to skip PMI. For most veterans, VA wins on monthly cost and upfront cash.
Manteca has a steady military-connected population given its proximity to Stockton and the broader Central Valley base network. VA volume here is real.
San Joaquin County has no VA loan limit for borrowers with full entitlement. You can borrow above conforming limits without a down payment.
Yes. Full VA entitlement means zero down regardless of loan size. You still pay closing costs unless you negotiate seller concessions.
No limit applies if you have full entitlement. Borrowers with reduced entitlement may have a county cap.
Most lenders set 620 as the floor. Some VA-approved lenders go to 580, but options narrow below 620.
Plan for 30-45 days. VA appraisals add time — picking a lender experienced with VA files keeps things on schedule.
Yes, if the veteran died in service or from a service-connected disability. The spouse must not have remarried.
Yes. Most borrowers add it to the loan balance rather than pay it upfront. Rates vary by borrower profile and market conditions.