CalVet Home Loan Program
Low-interest, fixed-rate 30-year mortgages through CalVet with 2026 loan limits up to $1,249,125 in high-cost counties.
At a glance
- Benefit type
- Housing & Home Loans — California
- Who it's for
- Veterans, National Guard, Reservists
- VA rating needed
- No rating requirement
- Where it applies
- California
- Last verified
- May 12, 2026
What is CalVet Home Loan Program?
CalVet Home Loan Program is a California housing & home loans benefit for veterans, national guard, reservists. Low-interest, fixed-rate 30-year mortgages through CalVet with 2026 loan limits up to $1,249,125 in high-cost counties.
Who qualifies
- Available to any veteran
- Honorable discharge required
- California residency
Who is eligible
Eligibility
Veterans who served at least 90 days of active duty (excluding training) with honorable discharge. National Guard/Reservists ordered to federal active duty may qualify. No prior California residency required. No minimum credit score (manually underwritten with flexible credit standards).
What CalVet Home Loan Program covers
Covers
Low-interest, fixed-rate 30-year mortgages for owner-occupied homes in California. 2026 loan limits: $832,750 standard counties; up to $1,249,125 in high-cost counties (matches 2026 FHFA high-cost area conforming loan limit — Los Angeles, San Francisco, Orange, San Mateo, etc.). Covers single-family homes, condos, and mobile homes on land. No PMI required.
How to apply for CalVet Home Loan Program
How to apply
Through the CalVet website.
Verified information & sources
Last verified: May 12, 2026
Official source: calvet.ca.gov
Compiled and fact-checked against the official source linked above. Benefit rules and dollar amounts change over time — always confirm current details at the official source before applying. A county Veterans Service Officer (VSO) is a free, accredited advocate who can review your eligibility and help you file at no cost.
Frequently asked questions about CalVet Home Loan Program
Who qualifies for CalVet Home Loan Program?▾
How do I apply for CalVet Home Loan Program?▾
Where can I verify CalVet Home Loan Program?▾
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