VA Loan Limits in Los Angeles County

Los Angeles County is the largest county in California by population, and it’s easy to see why. Between the outdoor activities and bustling Los Angeles, you can’t go wrong buying or building a home in Los Angeles County.

And now, thanks to the changes in VA Loan Limits, the sky is the limit on your new VA loan!

Just watch this brief video to find out why getting a VA loan is limitless, and discover how the VA Conforming & VA Jumbo Loan Limits still apply!

If you’re a Veteran looking for a home in the LA area, you should know about changes coming to the VA loan limits in Los Angeles County. Read on to learn everything you need to know about the new VA loan limits and what they might mean for your home search.

Changes to the Los Angeles VA Loan Limit in 2021

The Los Angeles VA loan limit determines how much of a home loan a qualified military borrower could take out without a down payment. The limit was equal to the high balance conforming loan limit. It is worth note that any VA loans above $548,250 are considered jumbo VA loans. Prior to the changes, a Veteran could borrow up to the high-balance limit without needing a down payment.

However, thanks to changes in the VA program guidelines, VA county loan limits have disappeared as of January 1, 2020. All homes, regardless of price, will be eligible for 100% financing for qualified Veterans with full VA loan entitlement.

What Do New VA Home Loan Limits Mean for You?

The removal of VA loan limits in Los Angeles County doesn’t guarantee you’ll be able to buy any home you want. You still need to meet your lender’s credit and underwriting requirements. The changes do make it easier to buy a home that you can afford, even if it falls over the high-balance conforming loan limit.

Conforming loan limits are still important when buying a home with a VA loan, even if you qualify for a zero-down mortgage. Your lender will use the traditional conforming loan limit to decide if you need a conforming VA loan or a jumbo VA loan.

Veterans with diminished VA loan entitlement are not eligible for the new VA loan limits. If you’re concerned about your eligibility for a VA loan in regards to the new changes, there may be options to restore your VA loan entitlement, such as refinancing your VA loan.

Other Changes to VA Loans in 2021

The VA loan limits in Los Angeles County aren’t the only changes to the VA program. The VA Funding Fee is also undergoing some changes. Active-duty Veterans are generally going to see a small increase in fees related to the Funding Fee. Reservists are likely to see a slight dip in the cost of fees. The changes also eliminate the VA Funding Fee for all Purple Heart recipients.

Here are The Cities in Los Angeles County Where The Limits Apply:

Agoura Hills
Alhambra
Arcadia
Artesia
Avalon
Azusa
Baldwin Park
Bell
Bell Gardens
Bellflower
Beverly Hills
Bradbury
Burbank
Calabasas
Carson
Cerritos
Claremont
Commerce, City of
Compton
Covina
Cudahy
Culver City
Diamond Bar
Downey
Duarte
El Monte
El Segundo
Gardena
Glendale
Glendora
Hawaiian Gardens
Hawthorne
Hermosa Beach
Hidden Hills
Huntington Park
Industry, City of
Inglewood
Irwindale
La Cañada Flintridge
La Mirada
La Puente
La Verne
La Habra Heights
Lakewood
Lancaster
Lawndale
Lomita
Long Beach
Los Angeles
Lynwood
Malibu
Manhattan Beach
Maywood
Monrovia
Montebello
Monterey Park
Norwalk
Palmdale
Palos Verdes Estates
Paramount
Pasadena
Pico Rivera
Pomona
Rancho Palos Verdes
Redondo Beach
Rolling Hills
Rolling Hills Estates
Rosemead
San Dimas
San Fernando
San Gabriel
San Marino
Santa Clarita
Santa Fe Springs
Santa Monica
Sierra Madre
Signal Hill
South El Monte
South Gate
South Pasadena
Temple City
Torrance
Vernon
Walnut
West Covina
West Hollywood
Westlake Village
Whittier

Here Are The Zip Codes Where These Limits Apply:

90250
90046
90034
90805
90650
90044
90026
90066
90019
90004
90280
91342
90201
90706
90025
90011
90027
91335
90731
93536
93550
93535
90802
90631
90036
90640
91331
91801
90042
90028
90006
90255
90024
91402
91367
91766
91406
90049
91706
90277
90020
91744
91405
90813
90803
91601
90503
90005
91702
91343
90047
91770
90247
90003
90016
90043
90045
90018
90037
91304
93551
90022
91344
90278
90703
90057
91745
90660
91765
90275
91605
90745
91016
90804
90815
90065
93534
91606
90029
90291
90501
91423
90262
90292
91732
90723
90069
92821
90241
90405
91401
90008
91767
90638
90266
91205
91604
90505
90403
90808
91387
90744
91748
91306
90012
91607
90035
91311
90007
90048
90017
91505
90032
91107
90068
91750
91206
90807
91350
90001
90063
90806
90033
91790
91789
90038
91104
91326
90220
90242
90230
91711
90015
91773
91355
91001
90301
91754
91316
90064
91780
90504
90002
90039
90604
91325
91776
91403
91352
91356
90031
90221
91007
90023
91106
91722
90274
91321
90302
91791
90601
91101
91354
90260
90712
91006
90605
90404
91214
91030
93552
91803
91364
91351
90041
90059
91042
90254
91733
90810
91602
91324
91303
91740
91504
90062
90713
91302
90272
91741
90210
90814
90249
90710
91792
91411
90717
91301
91202
91103
91755
90732
90606
91724
91501
91361
91201
91307
91775
90602
90265
90746
91768
91340
90240
91010
91506
91731
90245
91040
90061
91203
90222
90232
90303
91723
90013
91384
91011
90603
91381
90304
90293
91746
91204
90270
90212
90305
91390
91105
90715
91208
90502
90094
91436
90014
90401
90402
90670
91502
91345
91024
90701
90755
91108
93543
90056
91207
90211
90248
90077
90716
90040
91020
93510
90290
90010
92397
90009
93591
90801
93539
91802
90067
91109
91510
90704
90251
91769
91380
91413
90021
91747
90707
93532
91017
91392
90078
93590
91734
91031
90058
90510
92248
91778
90748
91357
91409
90406
91365
91209
91788
90295
91066
93553
90231
90809
90714
91793
91416
90213
91313
91715
91012
90637
90733
91386
90224
91603
91376
90239
90749
91337
90651
90267
91226
91333
91102
90209
93243
91353
90294
90608
91308
91117
93544
91025
91372
91503
90093
91614
90702
91221
91394
91225
90086
91009
91615
91610
91396
91322
91328
91309
91327
90853
90607
91118
91412
91426
93584
91077
91008
90734
90050
91021
90408
90609
91041
91224
90202
90081
90264
91003
91116
91617
91210
90308
91341
90309
91114
90409
90223
91408
91043
91346
90083
91046
91393
91395
91222
91507
91609
93586
90075
90051
90652
90508
90082
90071
91334
91115
91310
90060
90053
90054
90030
91385
90296
90662
90076
90610
90091
90307
90832
91305
90507
90070
91759
90661
90306
90087
91616
91404
91508
90072
90310
91407
93563
90073
90055
90079
91023
90089
90088
91330
90888
91521
91522
91523
91526
91329
91187
90848
91388
90847
90846
90845
91608
91110
90096
91611
91612
90844
90095
90097
91189
91618
90842
91186
90840
91714
90835
91716
90834
90833
91399
90831
90822
90102
90103
91735
90174
90185
90189
91185
91184
90747
91182
91749
90080
91175
90711
91756
90074
90052
91131
91129
91126
90671
90665
91771
91772
91410
91125
90659
91188
90233
90639
90612
91371

Whether you’ve had your eye on a new home in Los Angeles County or are just starting the home buying process, SoCal VA Homes can help.