VA jumbo loans allow veterans to buy higher-priced homes in expensive housing markets without a down payment. If you’ve been dreaming of a larger home, or buying in a high-cost area, Veterans Mortgage Solutions can guide you through the process and make homeownership possible.
What Is a VA Jumbo Loan?
A VA jumbo loan is a VA-backed mortgage for amounts above the standard VA loan limit.
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In 2025, the standard VA limit in most counties is $766,550
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If your home price exceeds this, it falls into jumbo loan territory
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VA jumbo loans still offer $0 down payment for eligible veterans
VA Jumbo Loan Requirements
To qualify, you’ll typically need:
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Valid Certificate of Eligibility (COE)
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Credit score around 580 or higher (some lenders may approve lower)
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Stable income and debt-to-income (DTI) ratio under 55%
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Proof of sufficient residual income (see VA residual income guidelines)
VA Jumbo Loan Limits
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VA does not technically limit the loan amount — but lenders set their own max limits
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In high-cost counties, you can borrow well above $1 million
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No down payment required if you have full VA entitlement
Benefits of VA Jumbo Loans
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No down payment – even for homes over $1M
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No private mortgage insurance (PMI)
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Competitive interest rates
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Easier qualification than many conventional jumbo loans
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Available in all 50 states
How to Qualify for a VA Jumbo Loan
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Check eligibility – Apply for your COE at VA.gov
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Get pre-approved – Use our VA loan pre-approval form
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Provide documentation – Income, assets, military service proof
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Work with a VA-approved lender – Like Veterans Mortgage Solutions
Buying in a High-Cost Area
Many veterans use VA jumbo loans in:
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California (Los Angeles, San Diego, San Francisco)
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Hawaii
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Washington D.C. metro
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New York & New Jersey coastal areas
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High-end suburbs nationwide
Why Choose Veterans Mortgage Solutions
We specialize in VA home loans for high-cost areas. Whether you’re a first-time homebuyer or upgrading to a larger property, our experts guide you from application to closing.
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Final Thoughts
VA jumbo loans open the door to buying your dream home — even in high-cost markets — without a down payment. Let Veterans Mortgage Solutions help you navigate the process with confidence. Apply Now