VA Loan Limits in Contra Costa County, California (2026)
From Contra Costa County, the 2026 VA county loan limit in Contra Costa County is $832,750 (one unit) for partial-entitlement borrowers. It is the national conforming baseline.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $832,750 |
| Two-unit (duplex) | $1,066,150 |
| Three-unit (triplex) | $1,288,800 |
| Four-unit (fourplex) | $1,601,650 |
What can you buy with $0 down in Contra Costa County?
A VA buyer near Contra Costa County can put $0 down on a $742,000 home. Add the one-time funding fee (~$15,953, financed), skip mortgage insurance entirely, and the monthly cost runs about $5,247 at 6.25%.
$0-down VA payment scenarios in Contra Costa County
VA payments in Contra Costa County at three price points — all $0 down with the funding fee rolled in:
| Purchase Price | Down | Est. Monthly Payment |
|---|---|---|
| Entry-level — $534,000 | $0 | $3,809 |
| Local median — $742,000 | $0 | $5,247 |
| Higher-end — $1,002,000 | $0 | $7,045 |
Estimates include the financed funding fee plus California property taxes and insurance — but no monthly mortgage insurance, because VA loans never charge it. Rates move daily near Contra Costa County too — get alerts.
VA multi-unit limits in Contra Costa County
Thinking multi-unit near Contra Costa County? VA allows up to $1,066,150 on a duplex and $1,601,650 on a fourplex in Contra Costa County for partial-entitlement borrowers — and owner-occupants still put nothing down.
Protect Your VA Benefit
Free to join in under 30 seconds. Get notified when it is time to act on your VA benefit.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the VA loan limit in Contra Costa County for 2026?
- For veterans with partial entitlement, the 2026 VA limit in Contra Costa County is $832,750 (one unit), $1,066,150 (duplex), $1,288,800 (triplex), and $1,601,650 (fourplex). With full entitlement there is no limit.
- Do I really need $0 down to buy in Contra Costa County?
- Eligible veterans can buy with no down payment at all. On a median $742,000 Contra Costa County home that is $0 down, with a one-time funding fee of about $15,953 that is usually financed into the loan.
- Does a VA loan have monthly mortgage insurance in Contra Costa County?
- No. VA loans never charge monthly mortgage insurance (PMI/MIP) — one of the biggest reasons a VA loan is cheaper than FHA or low-down conventional financing.
- Is Contra Costa County a high-cost VA county?
- No — Contra Costa County uses the $832,750 national conforming baseline for partial entitlement.