VA home loans in San Diego
Based in San Diego, serving Navy, Marine Corps and every branch. $0 down for eligible borrowers, one application, 130+ lenders.
San Diego housing allowance by pay grade
Every installation in the San Diego housing area, from Naval Base San Diego to Miramar, uses the same 2026 BAH table.
San Diego County’s 2026 one-unit conforming limit is $1,104,000. With full VA entitlement there’s no VA loan limit, subject to lender approval and appraisal. The county limit only matters if part of your entitlement is still tied up in another VA loan.
San Diego County loan limits and programs · Remaining entitlement calculator
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E-4 | $3,666 | $2,763 |
| E-5 | $3,975 | $3,147 |
| E-6 | $4,404 | $3,387 |
| E-7 | $4,446 | $3,678 |
| E-8 | $4,488 | $4,065 |
| W-2 | $4,464 | $4,062 |
| O-1 | $4,032 | $3,351 |
| O-2 | $4,401 | $3,873 |
| O-3 | $4,518 | $4,248 |
| O-4 | $5,082 | $4,440 |
| O-5 | $5,493 | $4,458 |
2026 Basic Allowance for Housing, monthly, from the Department of Defense (Defense Travel Management Office), effective January 1, 2026; checked November 10, 2026. BAH is set by your duty station, not where you buy. MTG Wholesale has no role in setting it.
Bases in the San Diego housing area
Naval Base San Diego
Navy · 3455 Senn Rd., Bldg. 72, San Diego 92136
Naval Base Coronado (includes NAS North Island, Naval Amphibious Base Coronado)
Navy · 3rd St & Alameda Blvd, Coronado 92118
Naval Base Point Loma
Navy · Installation Front Gate, 140 Sylvester Road, San Diego 92106
Marine Corps Air Station Miramar
Marine Corps · 6200 Miramar Way, San Diego 92145
Marine Corps Recruit Depot San Diego
Marine Corps · 1600 Iwo Jima Ave, Public Affairs, Bldg. 1, San Diego 92140
Stationed at Camp Pendleton? It has its own housing area and rates: VA loans at Camp Pendleton.
San Diego vs Camp Pendleton, with dependents
| Grade | San Diego | Camp Pendleton |
|---|---|---|
| E-4 | $3,666 | $3,627 |
| E-5 | $3,975 | $3,963 |
| E-6 | $4,404 | $4,398 |
| E-7 | $4,446 | $4,494 |
| O-1 | $4,032 | $4,023 |
| O-3 | $4,518 | $4,659 |
2026 Basic Allowance for Housing, monthly, from the Department of Defense (Defense Travel Management Office), effective January 1, 2026; checked November 10, 2026. BAH is set by your duty station, not where you buy. MTG Wholesale has no role in setting it.
Disabled veteran exemption
California’s Disabled Veterans’ Exemption lowers the assessed value of your home by $180,671 for 2026, or $271,009 if household income is $81,131 or less. It applies to veterans rated 100% disabled (or paid at 100% for unemployability), and to qualifying surviving spouses. You file with the county assessor.
State Board of Equalization: Disabled Veterans’ Exemption
Official resources
- Naval Base San Diego: installation guide (Military OneSource)
- Naval Base Coronado (includes NAS North Island, Naval Amphibious Base Coronado): installation guide (Military OneSource)
- Naval Base Point Loma: installation guide (Military OneSource)
- Marine Corps Air Station Miramar: installation guide (Military OneSource)
- Marine Corps Recruit Depot San Diego: installation guide (Military OneSource)
- Official 2026 BAH rate lookup (Defense Travel Management Office)
- Request your Certificate of Eligibility (VA)
- VA funding fee and exemptions (VA)
- File a disability claim before you separate (VA)
- Download your LES on myPay (DFAS)
- Conforming loan limits, including San Diego County (FHFA)
- Free help: County Veteran Service Offices (CalVet)
- CalVet Home Loans (State of California)
Links open the official site. Checked November 10, 2026.
Funding fee waiver, COE, disability and more
Receiving VA disability compensation? You don’t pay the VA funding fee, and you may get it back if your rating came after closing. Official links for VA and California benefits:
VA benefits resource center · Funding fee exemption and refund · Get your Certificate of Eligibility · VA disability and your home · Your LES and your mortgage
Good to know
What is the 2026 BAH in San Diego?
For the San Diego housing area, an E-5 with dependents receives $3,975 a month in 2026, and $3,147 without dependents. The full table by pay grade is on this page.
Is Camp Pendleton BAH different from San Diego?
Yes. Camp Pendleton is its own housing area. An E-5 with dependents receives $3,963 there in 2026.
Which BAH applies if I'm stationed at Miramar but buy in Oceanside?
BAH follows your duty station, not where you buy. A Miramar assignment uses the San Diego rate wherever you live.
Is there a VA loan limit in San Diego County?
With full entitlement, no, subject to lender approval and appraisal. San Diego County's 2026 conforming limit of $1,104,000 only matters if part of your entitlement is in use.
Can I use my VA loan again if I already have one from my last duty station?
Often, yes. Remaining entitlement may let you buy again without selling. Our calculator shows how VA figures it.
Do disabled veterans get a property tax break in California?
Yes. The 2026 basic exemption lowers your home's assessed value by $180,671 for qualifying veterans.
MTG Wholesale is a private mortgage broker. We are not affiliated with or endorsed by the U.S. Department of Veterans Affairs, the Department of Defense or any branch of the military. VA-backed loans are subject to eligibility, lender approval and appraisal. Not an offer of credit.