Question 1

Can I use a VA loan to buy in West Sacramento with no money down?

Accepted Answer

Yes. Eligible veterans with full entitlement can purchase with zero down. You may still owe closing costs unless the seller covers them.

Question 2

Does the VA set a loan limit in Yolo County?

Accepted Answer

Not for borrowers with full entitlement. If you have remaining entitlement from a prior VA loan, county limits may apply.

Question 3

How long does a VA loan take to close?

Accepted Answer

Typically 30 to 45 days. Choosing a VA-experienced lender keeps that timeline on track.

Question 4

What is the VA funding fee and how much is it?

Accepted Answer

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.

Question 5

Can I use a VA loan more than once?

Accepted Answer

Yes. VA entitlement can be restored after paying off a prior VA loan. Many veterans use VA loans multiple times.

Question 6

Are there property condition rules for VA loans in Yolo County?

Accepted Answer

Yes. The VA requires properties to meet Minimum Property Requirements. Sellers sometimes push back on required repairs.

VA Loans in West Sacramento: Zero Down for Veterans