Sacramento VA Loan Rates, Closing Costs & Stats

SACRAMENTO-ROSEVILLE-FOLSOM, CA

A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. The VA does not directly lend, it guarantees the loans made by private lenders to veterans, active military personnel, and qualifying military spouses.

The most obvious benefit of VA loans is that no downpayment is necessary to purchase a home. They will also typically have significantly lower fees-- meaning that if you're eligible to receive a VA loan, it will likely be the most favorable option. VA loans come in 3 varities: purchase, refinance and cash out refis.

For additional benefits of VA loans, click here.

Sacramento's 221 lenders originated 10,024 VA loans during 2021. The total origination value was $4,319,250,000, with an average VA loan value of $430,891.

Sacramento VA Loans, 30 Year Fixed Rates

30 Year VA mortgages in Sacramento averaged 0.49% for the week of 2023-01-20, compared to the national average (all VA variants) of 0% for the same period.

Sacramento's average VA mortgage closing costs are $6,756.

The average rate for the prior week (2023-01-13) was 6.17% and one month ago for the week of 2022-12-16, the average rate was 6.24%.

The average rate one year ago was 3.55%.

For refis of the same type during the week of 2023-01-20, the average rate was -0.11%.

Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

Sacramento VA Loan Lenders by Rates & Fees

The below table looks at the average fees/closing costs and rates for VA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Sacramento level.

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Closing Costs
UNITED WHOLESALE MORTGAGE, LLC 935 2.46% $7,438
FREEDOM MORTGAGE CORPORATION 882 2.34% $3,850
QUICKEN LOANS, LLC 832 2.38% $5,861
PENNYMAC LOAN SERVICES, LLC 514 2.32% $7,446
LOANDEPOT.COM, LLC 343 2.43% $7,007
Mortgage Research Center, LLC 332 2.75% $9,354
HOME POINT FINANCIAL CORPORATION 324 2.41% $6,319
CALIBER HOME LOANS, INC. 319 2.49% $6,518
AMERICAN PACIFIC MORTGAGE CORPORATION 312 2.71% $9,251
GUILD MORTGAGE COMPANY 216 2.61% $8,617
FINANCE OF AMERICA MORTGAGE LLC 201 2.61% $7,586
VILLAGE CAPITAL MORTGAGE 174 2.22% $4,680
LAKEVIEW LOAN SERVICING, LLC 162 2.42% $2,953
MOVEMENT MORTGAGE, LLC 153 2.74% $7,588
CLEARPATH LENDING 139 2.21% $5,303
NAVY FEDERAL CREDIT UNION 127 2.45% $7,211
NEW DAY FINANCIAL, LLC 117 2.80% $11,359
Mr. Cooper ( Nationstar Mortgage ) 99 2.59% $4,770
The Federal Savings Bank 94 2.56% $9,524
NEWREZ LLC 92 2.49% $5,547
Wells Fargo Bank 90 2.52% $5,235
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 84 2.75% $9,866
USAA Federal Savings Bank 80 2.85% $4,462
SUMMIT FUNDING, INC. 71 2.82% $9,308
LOANPAL, LLC 70 2.51% $7,118
Flagstar Bank, FSB 70 2.56% $9,082
CROSSCOUNTRY MORTGAGE, LLC 63 2.82% $9,930
SUN WEST MORTGAGE COMPANY, INC. 62 2.41% $5,357
AMERICAN FINANCIAL NETWORK, INC. 58 2.59% $12,611
Commerce Home Mortgage, Inc. 56 2.72% $9,633
PLANET HOME LENDING, LLC 53 2.40% $3,860
HOMEBRIDGE FINANCIAL SERVICES, INC. 52 2.59% $9,361
BROKER SOLUTIONS, INC. 52 2.50% $9,770
EAGLE HOME MORTGAGE, LLC 49 2.73% $12,827
Sierra Pacific Mortgage Company, Inc. 46 2.58% $6,800
GUARANTEED RATE, INC. 45 2.53% $5,444
GUARANTEED RATE AFFINITY, LLC 44 2.50% $9,456
Paramount Residential Mortgage Group, Inc. 44 2.65% $9,399
PENTAGON FEDERAL CREDIT UNION 43 2.31% $6,604
AMERISAVE MORTGAGE CORPORATION 42 2.52% $7,801
DHI MORTGAGE COMPANY, LTD. 41 2.60% $12,069
First Guaranty Mortgage Corporation 40 2.42% $3,912
S1L, Inc. 38 2.85% $10,101
LENDUS, LLC 37 2.54% $8,996
Carrington Mortgage Services, LLC 37 2.75% $6,845
Lakeview Community Capital, LLC 37 2.38% $2,991
NBKC BANK 33 2.41% $6,597
InterContinental Capital Group, Inc 32 2.37% $3,292
SOVEREIGN LENDING GROUP INCORPORATED 31 2.50% $7,536
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 31 2.79% $12,402
ENVOY MORTGAGE, LTD 30 2.98% $7,938
U.S. Bank 30 2.52% $10,082
Barrington Bank & Trust Company, N.A. 29 2.68% $5,811
North American Savings Bank, F.S.B. 29 2.39% $4,888
FBC MORTGAGE, LLC 28 2.60% $8,487
NETWORK CAPITAL FUNDING CORPORATION 26 2.51% $4,716
Low VA Rates, LLC 25 2.28% $5,411
PREMIER MORTGAGE RESOURCES, L.L.C. 25 2.71% $10,584
KBHS HOME LOANS, LLC 25 2.78% $10,231
PLAZA HOME MORTGAGE, INC. 24 2.37% $4,633
CMG MORTGAGE, INC. 24 2.51% $7,638
Equity Prime Mortgage LLC 23 3.06% $5,757
South Pacific Financial Corporation 23 2.61% $13,592
NATIONS DIRECT MORTGAGE, LLC 22 2.85% $10,657
Hometown Lenders, Inc. 21 2.70% $11,173
ROUNDPOINT MORTGAGE SERVICING CORPORATION 21 2.86% $8,374
Strong Home Mortgage, LLC 18 2.40% $7,020
MASON MCDUFFIE MORTGAGE CORPORATION 18 2.61% $8,407
Magnolia Bank 18 2.50% $12,303
K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 18 2.78% $8,467
Prime Choice Funding Inc. 17 2.45% $6,195
ALAMEDA MORTGAGE CORPORATION 17 2.81% $10,063
MUTUAL OF OMAHA MORTGAGE, INC. 17 2.42% $8,302
LAND HOME FINANCIAL SERVICES, INC. 17 2.75% $8,303
CANOPY MORTGAGE, LLC 16 2.69% $13,093
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 16 2.98% $12,247
BNC National Bank 15 2.38% $9,749
STEARNS LENDING, LLC 15 2.55% $6,653
HOMEAMERICAN MORTGAGE CORPORATION 15 2.82% $7,937
NP, Inc. 15 2.28% $5,870
Nations Lending Corporation 13 2.94% $11,421
GENEVA FINANCIAL, LLC 13 2.76% $7,850
KS StateBank 12 2.33% $4,018
Ameris Bank 12 2.47% $4,997
OCMBC, INC. 12 2.76% $7,002
ARK-LA-TEX FINANCIAL SERVICES, LLC. 12 2.49% $10,377
Amerifirst Financial, Inc. 10 2.75% $8,452
Plains Commerce Bank 10 2.68% $6,585
Umpqua Bank 10 2.61% $5,982
HOMEOWNERS FINANCIAL GROUP USA, LLC 10 2.83% $10,881
CELEBRITY HOME LOANS, LLC 10 2.83% $12,711
HOMESIDE FINANCIAL, LLC 9 2.54% $6,180
Watermark Capital, Inc. 9 2.32% $7,035
MOUNTAIN WEST FINANCIAL, INC. 9 2.83% $7,953
Home Mortgage Alliance Corp 9 2.36% $6,791
ACCELERATE MORTGAGE, LLC 8 2.38% $5,829
First Federal Bank 8 3.81% $11,178
PRIMELENDING, A PLAINSCAPITAL COMPANY 8 3.06% $15,200
DATA MORTGAGE, INC. 7 2.91% $9,122
BAY EQUITY LLC 7 2.71% $11,177
MID AMERICA MORTGAGE, INC. 6 2.46% $2,476
TJC Mortgage, Inc. 6 2.52% $4,522
Capital Bank 5 2.42% $3,218
Hometown Equity Mortgage, LLC 5 3.18% $11,595
PRIMARY RESIDENTIAL MORTGAGE, INC. 5 2.82% $8,128
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 5 2.63% $12,684
Bank of England 5 2.50% $9,843
INTELLILOAN, INC. 4 2.50% $4,247
Sunflower Bank 4 2.78% $18,108
CALCULATED RISK ANALYTICS LLC 4 2.63% $8,787
TRAVIS CREDIT UNION 4 2.81% $3,965
EVERETT FINANCIAL, INC. 4 2.66% $18,311
Meridian Bank Corporation 4 2.44% $6,071
INTERCAP LENDING INC. 4 2.50% $7,342
UNITED SECURITY FINANCIAL CORP 4 2.03% $7,439
DIGNIFIED HOME LOANS, LLC 4 2.50% $7,651
ZILLOW HOME LOANS, LLC 3 2.46% $10,277
AXIA FINANCIAL, LLC 3 2.79% $9,494
CALCON MUTUAL MORTGAGE LLC 3 3.46% $9,835
Community First National Bank 3 2.92% $9,148
EMBRACE HOME LOANS, INC. 3 2.29% $18,846
First Bank 3 2.79% $3,216
First Mortgage Solutions, LLC 3 1.92% $9,289
Golden Empire Mortgage, Inc. 3 2.75% $10,916
JPMorgan Chase Bank 3 3.00% $9,085
LADERA LENDING, INC. 3 2.46% $18,865
LENOX FINANCIAL MORTGAGE CORPORATION 3 2.92% $8,912
MEGA CAPITAL FUNDING, INC. 3 2.92% $10,623
MORTGAGEONE, INC. 3 2.63% $3,541
MORTGAGE SOLUTIONS OF COLORADO, LLC 3 3.38% $2,055
NATIONWIDE MORTGAGE BANKERS, INC. 3 2.71% $13,017
PREMIER LENDING, INC. 3 2.63% $10,174
SNAPFI, INC. 3 2.25% $3,071
Texana Bank 3 2.25% $14,301
Wyndham Capital Mortgage, Inc. 3 2.38% $2,433
IMPAC MORTGAGE CORP. 2 2.50% $0
First Home Bank 2 2.69% $3,777
KELLER MORTGAGE, LLC 2 2.50% $8,657
HOMESTEAD FUNDING CORP. 2 2.25% $6,597
HomePromise Corporation 2 3.25% $23,569
OAKTREE FUNDING CORP. 2 2.63% $2,888
HighTechLending Inc 2 2.50% $3,896
AUGUSTA FINANCIAL, INC. 2 2.25% $13,440
Arvest Bank 2 2.50% $2,578
Armed Forces Bank 2 2.25% $10,971
West Town Bank & Trust 2 3.00% $13,995
PACIFIC RESIDENTIAL MORTGAGE, LLC 2 2.62% $15,883
SECURITYNATIONAL MORTGAGE COMPANY 2 3.50% $9,453
CHERRY CREEK MORTGAGE, LLC 2 2.25% $1,192
AmeriHome Mortgage Company, LLC 2 2.69% $2,418
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 2 2.88% $6,994
AMERICAN INTERNET MORTGAGE, INC. 2 2.38% $1,444
AMCAP MORTGAGE, LTD. 2 3.44% $19,924
PANORAMA MORTGAGE GROUP, LLC 2 2.44% $4,161
Credence Funding Corporation 2 2.25% $3,933
NFM, INC. 2 3.19% $9,958
SRE MORTGAGE ALLIANCE INC. 2 2.81% $17,814
MORTGAGE MANAGEMENT CONSULTANTS, INC. 2 3.06% $10,951
S&S Financial 2 2.69% $4,549
BELEM SERVICING LLC 2 2.25% $13,295
WESTERN EXPRESS LENDING 2 2.75% $2,188
First Savings Bank 2 2.81% $23,042
Mid-Continent Funding, Inc. 2 2.56% $14,816
M&T Bank 2 2.38% $2,039
RELIANCE FIRST CAPITAL, LLC 1 2.50% $8,487
RESIDENTIAL BANCORP. 1 3.13% $11,872
RESIDENTIAL WHOLESALE MORTGAGE, INC. 1 2.38% $3,403
CHURCHILL MORTGAGE CORPORATION 1 3.13% $24,117
CHU & ASSOCIATES, INC. 1 2.63% $3,102
SCENIC OAKS FUNDING, INC. 1 2.63% $16,027
WRIGHT-PATT CREDIT UNION, INC. 1 2.75% $1,022
BRIDGELOCK CAPITAL 1 2.63% $6,031
BEST CAPITAL FUNDING 1 3.88% $6,805
BECKAM FUNDING CORP. 1 2.75% $14,324
BAYSHORE MORTGAGE FUNDING, LLC 1 3.00% $3,507
Banner Bank 1 2.63% $2,504
Bank of the West 1 2.75% $7,934
SWBC MORTGAGE CORPORATION 1 2.75% $16,126
TBI MORTGAGE COMPANY 1 3.00% $2,525
TCF National Bank 1 2.25% $5,782
Academy Bank 1 2.25% $4,523
ARC HOME LLC 1 2.25% $17,395
UNION HOME MORTGAGE CORP. 1 2.25% $2,540
United Fidelity Funding Corp. 1 2.50% $12,174
UNITED MORTGAGE CORP. 1 2.75% $5,795
VERITAS FUNDING, LLC 1 2.88% $12,360
ALL WESTERN MORTGAGE, INC. 1 3.25% $2,341
VISION ONE MORTGAGE, INC. 1 2.38% $16,003
ALLIED MORTGAGE GROUP, INC. 1 2.25% $3,024
ACADEMY MORTGAGE CORPORATION 1 2.38% $4,750
MORTGAGE CAPITAL PARTNERS, INC. 1 2.50% $17,344
MLD MORTGAGE INC. 1 2.38% $3,439
LIBERTY HOME MORTGAGE CORPORATION 1 2.25% $5,270
MUFG Union Bank 1 2.50% $4,619
LENDING 3, INC. 1 3.50% $4,949
LEADERONE FINANCIAL CORPORATION 1 2.50% $7,086
INTERNATIONAL CITY MORTGAGE, INC. 1 3.88% $4,455
NBH Bank 1 2.25% $499
Neighborhood Loans, Inc. 1 2.50% $11,221
NexBank 1 2.25% $16,247
FRONTWAVE 1 2.38% $1,949
Northpointe Bank 1 2.25% $4,342
NOVA FINANCIAL & INVESTMENT CORPORATION 1 2.75% $18,858
Franklin Loan Corporation 1 3.25% $12,822
OCEANSIDE MORTGAGE COMPANY 1 2.75% $250
Florida Capital Bank 1 3.00% $4,666
Paramount Bank 1 2.25% $6,356
First Internet Bank of Indiana 1 2.50% $2,169
PHH Mortgage Corporation 1 2.75% $3,342
FIRST COLONY MORTGAGE CORPORATION 1 2.50% $1,495
FirstBank 1 2.38% $8,850
Platinum Home Mortgage Corporation 1 2.99% $22,082
Financial Funding Solutions, Inc. 1 2.25% $4,819
PREMIA MORTGAGE, LLC 1 2.50% $13,040
Willamette Valley Bank 1 2.75% $0
DHA FINANCIAL, LLC 1 2.25% $4,069
COUNTRY CLUB MORTGAGE, INC. 1 2.75% $4,044
Colten Mortgage, LLC 1 2.50% $14,082
Prosperity Home Mortgage, LLC 1 2.13% $40,457
Citizens Bank 1 2.25% $1,676
RANLIFE, INC. 1 2.75% $27,049

The top Sacramento VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 935 VA loans originated. Their average total fees are $7,438, which is $3,588 higher than the next largest lender, FREEDOM MORTGAGE CORPORATION.

The lowest fee Sacramento VA lenders (with over 10 loans originated) are LAKEVIEW LOAN SERVICING, LLC ($2,953), Lakeview Community Capital, LLC ($2,991), InterContinental Capital Group, Inc ($3,292), FREEDOM MORTGAGE CORPORATION ($3,850) and PLANET HOME LENDING, LLC ($3,860).

The lowest rate Sacramento VA lenders (with over 10 loans originated) are CLEARPATH LENDING (2.21%), VILLAGE CAPITAL MORTGAGE (2.22%), Low VA Rates, LLC (2.28%), NP, Inc. (2.28%) and PENTAGON FEDERAL CREDIT UNION (2.31%).


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Sacramento (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $445,630 (1.4%) $657,184 (-1.8%) 1.65 3,470
2018-02-01 $454,500 (1.0%) $663,867 (-2.7%) 1.65 3,639
2018-03-01 $467,000 (1.7%) $661,259 (-2.0%) 1.64 3,696
2018-04-01 $469,950 (0.2%) $667,296 (0.1%) 1.59 4,214
2018-05-01 $475,000 (0.5%) $661,387 (0.6%) 1.59 4,879
2018-06-01 $469,900 (-0.8%) $656,751 (-1.1%) 1.57 5,506
2018-07-01 $464,950 (1.1%) $657,857 (0.3%) 1.55 5,846
2018-08-01 $459,950 (2.2%) $647,221 (-0.4%) 1.54 6,200
2018-09-01 $449,999 (0.2%) $632,432 (-0.2%) 1.51 6,413
2018-10-01 $449,450 (2.3%) $629,941 (1.8%) 1.52 6,265
2018-11-01 $448,950 (2.1%) $624,030 (-0.1%) 1.52 5,923
2018-12-01 $449,500 (2.4%) $627,499 (-2.8%) 1.55 5,133
2019-01-01 $449,975 (1.0%) $639,764 (-2.7%) 1.55 4,390
2019-02-01 $462,039 (1.7%) $650,504 (-2.0%) 1.56 4,199
2019-03-01 $476,371 (2.0%) $660,381 (-0.1%) 1.56 4,273
2019-04-01 $487,000 (3.6%) $662,279 (-0.8%) 1.55 4,491
2019-05-01 $492,500 (3.7%) $661,524 (0.0%) 1.54 5,146
2019-06-01 $502,163 (6.9%) $684,750 (4.3%) 1.57 5,591
2019-07-01 $499,353 (7.4%) $679,487 (3.3%) 1.56 5,844
2019-08-01 $495,695 (7.8%) $678,338 (4.8%) 1.57 5,801
2019-09-01 $489,679 (8.8%) $676,531 (7.0%) 1.57 5,689
2019-10-01 $485,668 (8.1%) $676,974 (7.5%) 1.57 5,530
2019-11-01 $488,250 (8.8%) $685,683 (9.9%) 1.60 4,834
2019-12-01 $495,000 (10.1%) $764,052 (21.8%) 1.65 3,686
2020-01-01 $492,475 (9.4%) $706,407 (10.4%) 1.65 3,267
2020-02-01 $499,000 (8.0%) $711,691 (9.4%) 1.63 3,243
2020-03-01 $507,000 (6.4%) $691,934 (4.8%) 1.59 3,553
2020-04-01 $499,132 (2.5%) $676,746 (2.2%) 1.56 3,985
2020-05-01 $507,989 (3.1%) $695,034 (5.1%) 1.54 4,194
2020-06-01 $517,000 (3.0%) $703,092 (2.7%) 1.52 3,947
2020-07-01 $525,000 (5.1%) $720,256 (6.0%) 1.52 3,337
2020-08-01 $525,000 (5.9%) $754,697 (11.3%) 1.50 2,951
2020-09-01 $539,950 (10.3%) $842,337 (24.5%) 1.55 2,939
2020-10-01 $545,000 (12.2%) $808,631 (19.5%) 1.56 2,897
2020-11-01 $551,940 (13.0%) $850,301 (24.0%) 1.61 2,562
2020-12-01 $549,000 (10.9%) $886,782 (16.1%) 1.63 1,999
2021-01-01 $567,000 (15.1%) $960,346 (36.0%) 1.69 1,583
2021-02-01 $550,000 (10.2%) $949,396 (33.4%) 1.60 1,569
2021-03-01 $547,450 (8.0%) $907,021 (31.1%) 1.55 1,682
2021-04-01 $574,725 (15.1%) $932,006 (37.7%) 1.56 1,888
2021-05-01 $585,010 (15.2%) $890,889 (28.2%) 1.55 2,018
2021-06-01 $593,500 (14.8%) $868,951 (23.6%) 1.56 2,348
2021-07-01 $595,888 (13.5%) $859,665 (19.4%) 1.57 2,781
2021-08-01 $585,725 (11.6%) $859,589 (13.9%) 1.56 2,958
2021-09-01 $589,000 (9.1%) $860,191 (2.1%) 1.57 2,955
2021-10-01 $594,200 (9.0%) $872,881 (8.0%) 1.58 2,928
2021-11-01 $592,498 (7.4%) $907,524 (6.7%) 1.58 2,400
2021-12-01 $597,000 (8.7%) $926,203 (4.5%) 1.62 1,768
2022-01-01 $619,900 (9.3%) $943,888 (-1.7%) 1.68 1,477
2022-02-01 $628,250 (14.2%) $938,006 (-1.2%) 1.63 1,533
2022-03-01 $629,500 (15.0%) $902,729 (-0.5%) 1.58 1,768
2022-04-01 $649,000 (12.9%) $898,999 (-3.5%) 1.55 2,107
2022-05-01 $649,498 (11.0%) $905,885 (1.7%) 1.48 3,073
2022-06-01 $643,322 (8.4%) $885,673 (1.9%) 1.43 3,805
2022-07-01 $629,900 (5.7%) $885,948 (3.1%) 1.43 4,655
2022-08-01 $614,800 (5.0%) $912,423 (6.2%) 1.42 4,757
2022-09-01 $600,000 (1.9%) $854,119 (-0.7%) 1.40 4,476
2022-10-01 $599,000 (0.8%) $835,059 (-4.3%) 1.41 4,374
2022-11-01 $589,975 (-0.4%) $836,485 (-7.8%) 1.42 3,988
2022-12-01 $585,000 (-2.0%) $847,093 (-8.5%) 1.46 3,262
Sacramento's median listing price for 2022-12-01 was $585,000, a difference of $-12,000 (-2.0%) versus the prior year and $-4,975 versus the prior month.

Sacramento's median listing price comes in at 146% of the national average.

Sacramento's average listing price for 2022-12-01 was $847,093, a difference of $-79,110 (-8.5%) versus the prior year and $10,608 versus the prior month.

For the 2022-12-01 period, Sacramento had 3,262 MLS listings, a difference of -726 listings (-18%) versus the prior month and 1,494 listings (85%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Sacramento (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 54 days 1,837 sqft
2018-02-01 37 days 1,875 sqft
2018-03-01 35 days 1,889 sqft
2018-04-01 33 days 1,893 sqft
2018-05-01 31 days 1,902 sqft
2018-06-01 35 days 1,892 sqft
2018-07-01 37 days 1,870 sqft
2018-08-01 39 days 1,867 sqft
2018-09-01 42 days 1,838 sqft
2018-10-01 47 days 1,835 sqft
2018-11-01 51 days 1,843 sqft
2018-12-01 58 days 1,835 sqft
2019-01-01 64 days 1,839 sqft
2019-02-01 51 days 1,860 sqft
2019-03-01 42 days 1,898 sqft
2019-04-01 38 days 1,926 sqft
2019-05-01 36 days 1,939 sqft
2019-06-01 38 days 2,000 sqft
2019-07-01 44 days 1,977 sqft
2019-08-01 48 days 1,964 sqft
2019-09-01 53 days 1,939 sqft
2019-10-01 58 days 1,929 sqft
2019-11-01 64 days 1,924 sqft
2019-12-01 77 days 1,948 sqft
2020-01-01 70 days 1,921 sqft
2020-02-01 45 days 1,925 sqft
2020-03-01 43 days 1,946 sqft
2020-04-01 44 days 1,914 sqft
2020-05-01 51 days 1,950 sqft
2020-06-01 49 days 1,959 sqft
2020-07-01 52 days 1,940 sqft
2020-08-01 38 days 1,930 sqft
2020-09-01 36 days 1,925 sqft
2020-10-01 36 days 1,913 sqft
2020-11-01 39 days 1,903 sqft
2020-12-01 45 days 1,876 sqft
2021-01-01 49 days 1,890 sqft
2021-02-01 32 days 1,832 sqft
2021-03-01 27 days 1,795 sqft
2021-04-01 27 days 1,858 sqft
2021-05-01 28 days 1,833 sqft
2021-06-01 26 days 1,820 sqft
2021-07-01 28 days 1,808 sqft
2021-08-01 31 days 1,793 sqft
2021-09-01 33 days 1,791 sqft
2021-10-01 33 days 1,774 sqft
2021-11-01 37 days 1,757 sqft
2021-12-01 44 days 1,755 sqft
2022-01-01 41 days 1,799 sqft
2022-02-01 25 days 1,801 sqft
2022-03-01 25 days 1,814 sqft
2022-04-01 25 days 1,849 sqft
2022-05-01 24 days 1,847 sqft
2022-06-01 29 days 1,839 sqft
2022-07-01 32 days 1,829 sqft
2022-08-01 39 days 1,803 sqft
2022-09-01 45 days 1,820 sqft
2022-10-01 47 days 1,809 sqft
2022-11-01 51 days 1,806 sqft
2022-12-01 64 days 1,808 sqft
Sacramento's median listing age (time on market) for 2022-12-01 was 64 days. This is 47% longer than the same period one year ago.

Sacramento's median square footage for active listings during the 2022-12-01 period was 1,808 sqft. One year prior, the average listing was 1,755 sqft.

VA Loan Features

  • No down payment required
  • Negotiable and competitive interest rate.
  • Ability to finance the VA funding fee (plus reduced funding fees with a down payment of at least 5 percent and exemption for veterans receiving VA compensation).
  • VA rules limit the amount you can be charged for closing costs.
  • Closing costs are comparable with other financing types (and may be lower).
  • Closing costs may be paid by the seller.
  • No private mortgage insurance premiums are required.
  • An assumable mortgage.
  • Right to prepay your mortgage without penalty.
  • For homes inspected by VA during construction, a warranty from builder and assistance from VA to obtain cooperation of builder.
  • VA assistance to veteran borrowers in default due to temporary financial difficulty.