Question 1

Can I use a VA loan to buy in Sebastopol?

Accepted Answer

Yes, if you have VA eligibility. There are no geographic restrictions. Sonoma County's home prices can exceed standard limits, so confirm your entitlement first.

Question 2

Does FHA or VA have a higher loan limit in Sonoma County?

Accepted Answer

Both programs follow county-level conforming limits, but VA has no hard cap for full-entitlement borrowers. FHA limits are fixed by county.

Question 3

Which loan is easier to qualify for?

Accepted Answer

FHA is more accessible on credit — 580 gets you in at 3.5% down. VA has no official minimum but most lenders want 620.

Question 4

Do I pay mortgage insurance with both loans?

Accepted Answer

FHA requires monthly mortgage insurance for the life of the loan. VA charges a one-time funding fee — no monthly insurance at all.

Question 5

Can I use both programs if I qualify for VA?

Accepted Answer

You can only use one per transaction. If you have VA eligibility, run both scenarios with a broker — VA usually wins on total cost.

Question 6

Is the VA funding fee always required?

Accepted Answer

Not always. Veterans with a service-connected disability rating are typically exempt from the VA funding fee entirely.

FHA vs VA Loans in Sebastopol, CA