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Winters is a small agricultural town in Yolo County, west of Sacramento. It sits in a price range where VA's zero-down benefit makes real sense.
Eligible veterans can buy here without draining savings on a down payment. That advantage matters in any California market.
0%
Down Payment
620
Typical Min. Credit
None
Mortgage Insurance
2.15%
Funding Fee (1st Use)
VA Loans in Winters
You need a Certificate of Eligibility and enough entitlement to cover the loan. Most lenders want a 620 credit score, though VA itself sets no minimum.
Active-duty members, veterans with honorable discharge, and surviving spouses all qualify. Service length requirements vary by when and how you served.
Local decision guide
Use this guide to connect va loans eligibility, lender expectations, and local market factors before comparing payment options in Winters.
Winters is a small agricultural town in Yolo County, west of Sacramento. It sits in a price range where VA's zero-down benefit makes real sense.
Eligible veterans can buy here without draining savings on a down payment. That advantage matters in any California market.
You need a Certificate of Eligibility and enough entitlement to cover the loan. Most lenders want a 620 credit score, though VA itself sets no minimum.
Not every lender handles VA loans the same way. Some overlay extra requirements beyond VA guidelines — higher score minimums, stricter debt ratios.
At SRK CAPITAL, we access 200+ wholesale lenders. We find the ones with the lightest overlays and the sharpest VA rates for Winters borrowers.
The VA funding fee trips people up. It runs from 1.25% to 3.3% of the loan, rolled in or paid upfront. Disabled veterans are exempt — confirm your status early.
Winters properties sometimes include rural land. VA appraisers scrutinize wells, septic systems, and acreage. Get ahead of that before you're in contract.
FHA requires 3.5% down and adds mortgage insurance for the life of the loan. VA has no monthly mortgage insurance — ever.
USDA also offers zero down in rural areas. Winters may qualify, but USDA has income caps. VA has none. If you're eligible, VA usually wins.
Winters draws buyers who want small-town California without Sacramento prices. That dynamic works in a VA borrower's favor.
Rural properties around Winters need to meet VA minimum property requirements. Older homes and ag-adjacent parcels get extra appraisal scrutiny.
Yes, but the home must be the primary residence. Large acreage can complicate the VA appraisal — the appraiser must value it as residential, not agricultural.
Veterans with full entitlement have no loan limit as of 2020. Only borrowers with reduced entitlement face county-based caps.
First-time use with zero down is 2.15% of the loan amount. It can be rolled into the loan. Disabled veterans are fully exempt.
Typically 30 to 45 days. Rural properties can add time if the VA appraisal flags well or septic issues that need repair before closing.
Standard VA loans require the home to be move-in ready. The VA won't approve properties with significant safety or habitability issues at time of appraisal.