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in Vacaville, CA
Vacaville sits close to Travis Air Force Base. That makes VA loans a serious option for a large chunk of local buyers.
FHA loans cover everyone else — first-time buyers, lower credit scores, smaller down payments. Both are strong programs. The right one depends on your eligibility.
FHA loans require just 3.5% down with a 580 credit score. Drop to 500-579 and you need 10% down — but you can still qualify.
Every FHA loan carries mortgage insurance. You pay an upfront premium plus a monthly charge. That adds to your costs long-term.
VA loans require zero down payment. No private mortgage insurance either. For eligible borrowers, that's a significant monthly savings.
You do pay a VA funding fee upfront — unless you have a service-related disability. Rates on VA loans are typically lower than FHA.
The biggest gap is mortgage insurance. VA has none. FHA charges it for the life of the loan in most cases. That difference compounds over years.
VA eligibility is strict — you need qualifying military service. FHA is open to any buyer who meets income and credit standards. No service record required.
If you're a veteran or active-duty near Travis AFB, VA is almost always the better deal. Lower rate, no mortgage insurance, zero down.
If you're a civilian buyer or don't have VA eligibility, FHA is a solid path. It's one of the most forgiving loan programs available.
Yes. Active-duty service members and veterans with qualifying service can use VA loans anywhere in California. Travis AFB proximity doesn't change eligibility.
VA loans typically carry lower rates than FHA. Rates vary by borrower profile and market conditions.
No. VA loans have no monthly mortgage insurance. You pay a one-time funding fee instead, which can be rolled into the loan.
580 gets you the 3.5% down option. Scores between 500-579 require 10% down. VA has no published minimum but most lenders want 580+.
It's a one-time fee paid to the VA at closing. The amount varies by loan size, down payment, and usage. Disabled veterans are exempt.
Yes. Surviving spouses of service members who died in the line of duty or from a service-related condition may be eligible for VA loans.