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Enter Down Payment: The funds you put upfront to get a home loan. This amount can vary from $0 for VA loans, 3.5% for FHA Loans and 20% for conforming mortgages. VA Loans are not insured the same way FHA loans are. With VA loans the Department of veterans affairs guarantees the loan on the veteran’s behalf. But there is still a cap.
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California has a number of state and country programs that encourage homeownership and will help first-time home buyers qualify for specalized loans or help them come up with the down payment. Orlovista, Orange County, California Mortgage Calculator – This amount can vary from $0 for VA loans, 3.5% for FHA Loans and 20% for conforming mortgages.