VA Loans in California & Hawaii | Zero Down Payment for Veterans

If you’ve served our country, you’ve earned one of the most powerful home financing benefits available: the VA loan. Fund USA Corp is proud to help veterans, active-duty service members, and surviving spouses achieve homeownership in California and Hawaii with the VA loan benefit they’ve earned.

WHAT IS A VA LOAN?

A VA loan is a mortgage guaranteed by the U.S. Department of Veterans Affairs (VA). Because the VA backs a portion of the loan, lenders can offer exceptional terms that are simply not available with conventional financing.

VA LOAN BENEFITS

• Zero down payment required (100% financing)
• No private mortgage insurance (PMI)
• Competitive interest rates (typically below market)
• No prepayment penalty
• Flexible credit requirements
• Seller can contribute up to 4% toward closing costs
• Can be used multiple times

VA LOAN ELIGIBILITY

You may be eligible for a VA loan if you are:

• An active-duty service member (90 days continuous service)
• A veteran who served 90 days during wartime or 181 days during peacetime
• A National Guard or Reserve member (6 years of service)
• A surviving spouse of a service member who died in the line of duty

VA LOAN REQUIREMENTS (2026)

• Certificate of Eligibility (COE) required we can help you obtain this
• Primary residence only (not for investment properties)
• Property must meet VA minimum property requirements
• VA funding fee applies (waived for veterans with service-connected disability)

VA LOAN LIMITS IN CALIFORNIA & HAWAII (2026)

As of 2020, there are no VA loan limits for eligible veterans with full entitlement. This means you can purchase a home of any price with zero down payment, subject to lender approval and your ability to qualify.

CALIFORNIA & HAWAII MILITARY COMMUNITIES WE SERVE

• Camp Pendleton, CA
• Naval Base San Diego, CA
• Edwards Air Force Base, CA
• Joint Base Pearl Harbor-Hickam, HI
• Marine Corps Base Hawaii (Kaneohe Bay), HI
• Schofield Barracks, HI

Fund USA Corp is honored to serve those who have served our nation.
Contact us today to learn about your VA loan benefits and get pre-approved.