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Sunnyvale sits in one of the most expensive housing markets in California. VA loans are one of the few programs that let eligible buyers compete here without a down payment.
Santa Clara County home prices run high. VA loans have no loan limit for borrowers with full entitlement — that matters a lot in this zip code.
0%
Down Payment
620
Typical Min Credit
None
Loan Limit (Full Entitlement)
None
Mortgage Insurance
2.15%
VA Funding Fee (1st Use)
VA Loans in Sunnyvale
You need a Certificate of Eligibility (COE) to use a VA loan. Veterans, active-duty members, and surviving spouses may qualify — service length requirements vary by era.
Most VA lenders want a 620 credit score. The VA itself sets no minimum, but lenders do. Debt-to-income ratios are flexible compared to conventional loans.
Local decision guide
Use this guide to connect va loans eligibility, lender expectations, and local market factors before comparing payment options in Sunnyvale.
Sunnyvale sits in one of the most expensive housing markets in California. VA loans are one of the few programs that let eligible buyers compete here without a down payment.
Santa Clara County home prices run high. VA loans have no loan limit for borrowers with full entitlement — that matters a lot in this zip code.
You need a Certificate of Eligibility (COE) to use a VA loan. Veterans, active-duty members, and surviving spouses may qualify — service length requirements vary by era.
Not every lender handles VA loans well. Some approve the loan but fumble the VA appraisal process — that kills deals in competitive markets like Sunnyvale.
We work with 200+ wholesale lenders. Several specialize in VA loans and know how to close fast. That matters when you're competing against cash offers.
The VA funding fee trips up a lot of borrowers. First-time VA users pay 2.15% of the loan amount — it can be rolled into the loan. Disabled veterans are exempt.
Sunnyvale sellers sometimes hesitate on VA offers. Wrong. VA appraisals are strict, but a clean offer with proof of COE and a strong pre-approval closes just as reliably.
FHA requires 3.5% down and charges mortgage insurance forever. VA has no monthly mortgage insurance at all — that saves hundreds per month in Sunnyvale.
Conventional loans at this price point often require 10-20% down. Jumbo loans need even more. VA gives eligible buyers a real edge on cash outlay.
Sunnyvale has a significant military and veteran population tied to nearby Moffett Federal Airfield. VA loan demand here is real and consistent.
As of April 2026, VA loans with full entitlement have no conforming cap. That means you can finance a Sunnyvale home at any price point — if you qualify on income.
Yes, but the condo complex must be VA-approved. We can check approval status fast — some complexes in Santa Clara County already qualify.
With the right lender, no. VA appraisals add a step, but experienced lenders build that into the timeline without slowing your offer.
First-time VA buyers pay 2.15% of the loan amount. It can be financed into the loan. Disabled veterans are fully exempt from this fee.
No cap exists if you have full VA entitlement. Your purchase price is limited by what you qualify for on income and credit — not a loan limit.
Yes, under certain conditions. Remaining entitlement or bonus entitlement can cover a second VA loan. We map this out before you start shopping.
Most do. Concerns about VA appraisals are outdated. A clean pre-approval letter and proof of COE makes your offer competitive.