Complete guide to veteran housing programs in California. CalVet home loans, CalVet Veterans Homes, HUD-VASH vouchers, SSVF rapid re-housing, and homeownership assistance for California veterans.
California is home to nearly 1.6 million veterans — the largest veteran population of any state. With housing costs among the highest in the nation, securing stable and affordable housing is a top priority for veterans across the state. Fortunately, California provides an exceptional range of housing programs tailored specifically to veterans, from the landmark CalVet Home Loan program to eight state-run Veterans Homes offering long-term residential care.
This guide covers every major housing resource available to California veterans, including federal HUD-VASH vouchers, state-funded CalVet programs, emergency shelter options, and homeownership assistance. We include direct contact information and application steps so you can take action immediately.
The California Department of Veterans Affairs (CalVet) operates one of the most competitive home loan programs in the country. CalVet home loans offer below-market interest rates, no down payment requirement for qualifying veterans, and built-in disaster insurance. Unlike federal VA loans, CalVet loans are funded directly by the state of California through the sale of general obligation bonds.
Eligibility: California residents who served on active duty, were honorably discharged, and meet CalVet's occupancy and credit requirements. Guard and Reserve members with qualifying service are also eligible.
How to apply: Contact CalVet's Home Loan division at 1-800-952-5626 or visit calvet.ca.gov. Applications are processed through CalVet-approved lenders throughout the state.
California operates eight Veterans Homes providing residential care for aged and disabled veterans. These facilities are the largest veterans home system of any state and offer multiple levels of care:
How to apply: Contact CalVet at 1-800-952-5626 or apply online through the CalVet website. Eligibility requires California residency and honorable discharge.
California receives more HUD-VASH vouchers than any other state. These combine Section 8 rental assistance with VA case management. Major HUD-VASH hubs include the VA Greater Los Angeles Healthcare System, VA San Diego Healthcare System, VA Palo Alto Health Care System, and VA Northern California. Contact the VA Homeless Veterans hotline at 1-877-424-3838 to apply.
SSVF provides rapid re-housing and prevention assistance to very low-income veteran families. In California, dozens of SSVF grantees operate across the state, including Swords to Plowshares (Bay Area), U.S. VETS (Los Angeles, Long Beach, Inland Empire), and Veterans Village of San Diego. Services include temporary rental assistance, security deposits, utility payments, and case management.
California hosts some of the nation's largest Stand Down events, including the annual San Diego Stand Down and events in Los Angeles, Sacramento, and the Bay Area. These multi-day events connect homeless and at-risk veterans with housing, healthcare, legal, and employment services.
The federal VA Home Loan remains the most widely used veteran homeownership program in California. With zero down payment, no PMI, and competitive rates, VA loans are especially valuable in California's high-cost housing markets. VA loans have no maximum loan amount for veterans with full entitlement, making them viable even in expensive markets like the Bay Area and Los Angeles.
The California Housing Finance Agency (CalHFA) offers first-time homebuyer programs that can be combined with VA financing. The CalHFA VA program provides a conventional first mortgage that can be paired with down payment assistance through MyHome or the Zero Interest Program (ZIP). Contact CalHFA at 1-877-922-5432.
Veterans with service-connected disabilities may qualify for SAH grants (up to $109,986 in 2026) or SHA grants (up to $17,130) to build or modify a home. These can be combined with CalVet or VA home loans for maximum benefit in California.
Local HUD-funded Continuum of Care coordinated-entry intake for Los Angeles-area veterans experiencing homelessness. CoCs route veterans to HUD-VASH, SSVF, GPD transitional housing, and local nonprofit partners.
HUD-VASH (Housing & Urban Development - VA Supportive Housing) combines a Housing Choice Voucher with VA case management for homeless San Jose veterans. Apply through the local public housing authority and your nearest VA medical center.
HUD-VASH (Housing & Urban Development - VA Supportive Housing) combines a Housing Choice Voucher with VA case management for homeless Oakland veterans. Apply through the local public housing authority and your nearest VA medical center.
Dial 2-1-1 or search 211.org for San Jose-area emergency shelter, rent and utility assistance, and homeless veteran outreach. Local 2-1-1 specialists screen for veteran-specific programs (HUD-VASH, SSVF, GPD) and connect callers to the nearest intake point.
SSVF grantee outreach for very low-income veteran families in Long Beach who are homeless or at imminent risk of homelessness. SSVF can fund rapid re-housing, temporary financial assistance, and case management.
Local HUD-funded Continuum of Care coordinated-entry intake for Sacramento-area veterans experiencing homelessness. CoCs route veterans to HUD-VASH, SSVF, GPD transitional housing, and local nonprofit partners.
HUD-VASH (Housing & Urban Development - VA Supportive Housing) combines a Housing Choice Voucher with VA case management for homeless Fresno veterans. Apply through the local public housing authority and your nearest VA medical center.
San Francisco veteran service organization providing employment, housing, legal, and health care support.
HUD-VASH (Housing & Urban Development - VA Supportive Housing) combines a Housing Choice Voucher with VA case management for homeless San Francisco veterans. Apply through the local public housing authority and your nearest VA medical center.
SSVF grantee outreach for very low-income veteran families in Oakland who are homeless or at imminent risk of homelessness. SSVF can fund rapid re-housing, temporary financial assistance, and case management.
Free civil legal help for San Jose-area veterans through Legal Services Corporation grantees and the Stateside Legal veteran-facing directory. Common matters include discharge upgrades, VA benefits appeals, family law, and housing.
Free civil legal help for Los Angeles-area veterans through Legal Services Corporation grantees and the Stateside Legal veteran-facing directory. Common matters include discharge upgrades, VA benefits appeals, family law, and housing.
Dial 2-1-1 or search 211.org for Los Angeles-area emergency shelter, rent and utility assistance, and homeless veteran outreach. Local 2-1-1 specialists screen for veteran-specific programs (HUD-VASH, SSVF, GPD) and connect callers to the nearest intake point.
Free civil legal help for Fresno-area veterans through Legal Services Corporation grantees and the Stateside Legal veteran-facing directory. Common matters include discharge upgrades, VA benefits appeals, family law, and housing.
Dial 2-1-1 or search 211.org for San Diego-area emergency shelter, rent and utility assistance, and homeless veteran outreach. Local 2-1-1 specialists screen for veteran-specific programs (HUD-VASH, SSVF, GPD) and connect callers to the nearest intake point.
Free civil legal help for Oakland-area veterans through Legal Services Corporation grantees and the Stateside Legal veteran-facing directory. Common matters include discharge upgrades, VA benefits appeals, family law, and housing.
Public Housing Authorities (PHAs) serving Oakland, CA administer the Housing Choice Voucher used for HUD-VASH. Use HUD's official PHA contact list to find the right local PHA, request the veteran-priority waitlist, and confirm intake hours.
Local HUD-funded Continuum of Care coordinated-entry intake for San Diego-area veterans experiencing homelessness. CoCs route veterans to HUD-VASH, SSVF, GPD transitional housing, and local nonprofit partners.
Public Housing Authorities (PHAs) serving San Diego, CA administer the Housing Choice Voucher used for HUD-VASH. Use HUD's official PHA contact list to find the right local PHA, request the veteran-priority waitlist, and confirm intake hours.
Below-market-rate home loans exclusively for eligible California veterans.
Recently verified housing resources serving California, ordered by most recent verification.
HUD-VASH (Housing & Urban Development - VA Supportive Housing) combines a Housing Choice Voucher with VA case management for homeless Sacramento veterans. Apply through the local public housing authority and your nearest VA medical center.
SSVF grantee outreach for very low-income veteran families in San Francisco who are homeless or at imminent risk of homelessness. SSVF can fund rapid re-housing, temporary financial assistance, and case management.
SSVF grantee outreach for very low-income veteran families in San Diego who are homeless or at imminent risk of homelessness. SSVF can fund rapid re-housing, temporary financial assistance, and case management.
SSVF grantee outreach for very low-income veteran families in Los Angeles who are homeless or at imminent risk of homelessness. SSVF can fund rapid re-housing, temporary financial assistance, and case management.
HUD-VASH (Housing & Urban Development - VA Supportive Housing) combines a Housing Choice Voucher with VA case management for homeless San Diego veterans. Apply through the local public housing authority and your nearest VA medical center.
SSVF grantee outreach for very low-income veteran families in Sacramento who are homeless or at imminent risk of homelessness. SSVF can fund rapid re-housing, temporary financial assistance, and case management.
