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Fort Jones sits in rural Siskiyou County where $750K buys a solid single-family home. At 5.5% interest, that purchase carries a $4,258 monthly payment for principal and interest alone.
The county's median household income of $55,499 stretches further in Fort Jones than coastal California. A $750K purchase on a VA loan requires no down payment and no PMI equivalent — just the funding fee rolled into the loan.
5.5%
Interest Rate
$4,258
Monthly P&I
$750,000
Loan Amount
740
Min FICO
$0
Down Payment
$16,125
Funding Fee
VA Loans in Fort Jones
VA loans in Fort Jones require a Certificate of Eligibility, 740+ FICO (this scenario), and a valid VA disability rating or honorable discharge. Down payment is zero — that's the core benefit.
At $750K, you're well above the county median. This loan works for higher-earning military families or those with spouse income. The funding fee (2.15% for first-time use with zero down, or lower with a down payment) gets rolled into the loan amount.
Local decision guide
Use this guide to connect va loans eligibility, lender expectations, and local market factors before comparing payment options in Fort Jones.
Fort Jones sits in rural Siskiyou County where $750K buys a solid single-family home. At 5.5% interest, that purchase carries a $4,258 monthly payment for principal and interest alone.
The county's median household income of $55,499 stretches further in Fort Jones than coastal California. A $750K purchase on a VA loan requires no down payment and no PMI equivalent — just the funding fee rolled into the loan.
VA loans in Fort Jones require a Certificate of Eligibility, 740+ FICO (this scenario), and a valid VA disability rating or honorable discharge. Down payment is zero — that's the core benefit.
VA loans in California are offered by both retail banks and mortgage brokers. Brokers often move faster on VA closings because they work with multiple lenders and can shop your file.
Underwriting for VA loans is stricter than conforming conventional at the same price point. Lenders verify employment, pull residual income calculations, and order a VA appraisal. The process typically takes 30-45 days.
VA loans make sense in Fort Jones when you're a veteran with stable income and a 740+ FICO. The zero-down structure saves you $150K in cash that stays in your account. At $750K, that's real money.
They don't make sense if your FICO is below 700 or your debt-to-income is already tight. VA loans have tighter underwriting than FHA at this price point. If you're self-employed or have recent job changes, conventional might close faster.
Conventional 10% down at $750K would require $75K cash upfront and carry PMI until you hit 78% LTV. VA requires zero down and zero PMI. The tradeoff: VA underwriting is tighter and the appraisal process takes longer.
If you have $75K liquid and want speed, conventional pencils. If you want to preserve cash and have time, VA wins. The funding fee ($16,125) is a one-time cost baked into the loan.
Fort Jones is a small mountain community in northern California. The area attracts retirees and military families seeking lower cost of living than the Bay Area.
Siskiyou County's median household income of $55,499 means most homes sell well below $750K. A VA buyer at this price point is likely relocating from a higher-cost area or has significant military retirement income.
No. VA loans require zero down payment. You borrow the full $750K with no cash down. The funding fee (2.15% or $16,125 for first-time use) gets rolled into the loan amount, so you still put zero cash at closing.
Principal and interest run $4,258 per month. That's based on a $750K loan at 5.5% interest, 740 FICO, 30-year term, primary residence, single-family home, 30-day lock as of April 8, 2026.
No. VA loans have no PMI. Instead, you pay a one-time funding fee (2.15% on a zero-down first-time use, which is $16,125 on a $750K loan). That fee replaces PMI entirely. If you're rated 10% disabled or higher by the VA, the funding fee is waived.
740+ FICO is typical for approval at $750K. Some lenders go as low as 620 with compensating factors, but expect tighter underwriting and slower approval below 700. Your debt-to-income ratio matters more on VA loans than conventional.
Expect 30-45 days. VA appraisals take longer than conventional appraisals because the VA protects the veteran. Brokers sometimes close faster than retail banks because they shop multiple lenders.