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Vacaville sits close to Travis Air Force Base. That makes VA loans one of the most-used mortgage programs in the area.
Active-duty members, veterans, and surviving spouses here have real buying power. Zero down payment means more cash stays in your pocket.
0%
Down Payment
620 (common)
Min Credit Score
None (full entitlement)
Loan Limit
2.15%
Funding Fee (1st use)
Not required
Mortgage Insurance
VA Loans in Vacaville
You need a Certificate of Eligibility to use a VA loan. Most lenders also want a 620 credit score, though some go lower.
Debt-to-income ratio matters too. Most lenders cap it at 41%, but VA loans have flexibility if residual income is strong.
Local decision guide
Use this guide to connect va loans eligibility, lender expectations, and local market factors before comparing payment options in Vacaville.
Vacaville sits close to Travis Air Force Base. That makes VA loans one of the most-used mortgage programs in the area.
Active-duty members, veterans, and surviving spouses here have real buying power. Zero down payment means more cash stays in your pocket.
You need a Certificate of Eligibility to use a VA loan. Most lenders also want a 620 credit score, though some go lower.
Not every lender handles VA loans well. Some treat it like a conventional loan and create unnecessary problems.
At SRK CAPITAL, we work with 200+ wholesale lenders — including specialists who close VA loans fast and clean.
The VA appraisal is stricter than a conventional one. Sellers near Travis AFB know this. Price it right from the start.
VA funding fee catches people off guard. First-time VA buyers pay 2.15%. Disabled veterans are often exempt — always verify.
FHA requires 3.5% down and charges mortgage insurance for the life of the loan. VA has neither — for those who qualify, it wins.
Conventional loans need 20% down to avoid PMI. USDA requires rural eligibility. VA beats both on upfront cost for veterans.
Vacaville is in Solano County. VA loan limits were removed for full entitlement — so your purchasing power isn't capped by county.
The city's proximity to Travis AFB means listing agents see VA offers regularly. A clean pre-approval letter goes a long way here.
No. Any eligible veteran, active-duty member, or surviving spouse can use a VA loan here. You don't need a local military connection.
Not if you have full entitlement. VA removed county loan limits for borrowers with no other active VA loans.
It's an upfront fee rolled into the loan. Disabled veterans with a service-connected rating are typically exempt — confirm with your lender.
Most will. Vacaville has a large military community. Sellers and agents here are comfortable with VA purchase contracts.
Yes, up to a 4-unit property if you occupy one unit. The VA appraisal must confirm it meets minimum property standards.
VA requires zero down and no mortgage insurance. FHA requires 3.5% down and charges mortgage insurance monthly. Rates vary by borrower profile and market conditions.