Question 1

Can I use a VA loan to buy in Los Gatos with zero down?

Accepted Answer

Yes, if you have full entitlement. Most veterans with no prior VA loan balance qualify for zero down regardless of purchase price.

Question 2

What is the VA funding fee in 2026?

Accepted Answer

First-time use with zero down is typically 2.15%. Disabled veterans are fully exempt from this fee.

Question 3

Do VA loans work for Los Gatos prices above conforming limits?

Accepted Answer

Yes. VA jumbo loans are available. Lender requirements are stricter, but eligible veterans can still finance high-value homes.

Question 4

Will sellers in Los Gatos accept VA offers?

Accepted Answer

Most will with a strong pre-approval. VA appraisals have property standards that some sellers misunderstand — good preparation matters.

Question 5

How long does a VA loan take to close?

Accepted Answer

Typically 30-45 days. The VA appraisal adds time. Choosing a lender experienced with VA deals keeps the timeline tight.

VA Loans in Los Gatos, CA — Zero Down for Veterans