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West Sacramento sits in Yolo County, close to Sacramento's job centers and military installations. That makes it a practical landing spot for veterans and active-duty buyers.
VA loans were built for exactly this kind of market. No down payment, no PMI — that changes the math for a lot of buyers here.
0%
Down Payment
620
Typical Min Credit
None
Mortgage Insurance
2.15%
Funding Fee (1st Use)
30–45 days
Typical Close Time
VA Loans in West Sacramento
You need a Certificate of Eligibility from the VA. Most lenders also want a 620 credit score, though some go lower.
Sufficient service time is required — typically 90 days active duty during wartime or 181 days during peacetime. Surviving spouses may also qualify.
Local decision guide
Use this guide to connect va loans eligibility, lender expectations, and local market factors before comparing payment options in West Sacramento.
West Sacramento sits in Yolo County, close to Sacramento's job centers and military installations. That makes it a practical landing spot for veterans and active-duty buyers.
VA loans were built for exactly this kind of market. No down payment, no PMI — that changes the math for a lot of buyers here.
You need a Certificate of Eligibility from the VA. Most lenders also want a 620 credit score, though some go lower.
Not every lender handles VA loans well. Some drag out timelines or add overlays — extra requirements on top of VA minimums.
At SRK CAPITAL, we work with 200+ wholesale lenders. We know which ones close VA loans fast and which ones to avoid.
The VA funding fee trips people up. It's a one-time fee — typically 2.15% for first use with zero down — rolled into the loan.
Disabled veterans with a service-connected rating are often exempt. Always verify your exemption status before closing.
FHA requires 3.5% down and charges mortgage insurance for the life of the loan. VA beats that for eligible borrowers — no contest.
Conventional loans need 20% down to skip PMI. For most veterans buying in West Sacramento, VA is the stronger play.
West Sacramento has seen steady demand from buyers priced out of Sacramento proper. VA's zero-down structure helps veterans compete.
Yolo County properties must meet VA Minimum Property Requirements. Older homes or fixer-uppers sometimes need repairs before closing.
Yes. Eligible veterans with full entitlement can purchase with zero down. You may still owe closing costs unless the seller covers them.
Not for borrowers with full entitlement. If you have remaining entitlement from a prior VA loan, county limits may apply.
Typically 30 to 45 days. Choosing a VA-experienced lender keeps that timeline on track.
It's a one-time government fee, often 2.15% for first-time use with zero down. It can be rolled into the loan balance.
Yes. VA entitlement can be restored after paying off a prior VA loan. Many veterans use VA loans multiple times.
Yes. The VA requires properties to meet Minimum Property Requirements. Sellers sometimes push back on required repairs.