How much downpayment do I need for a Vallejo home?
For Vallejo median $560,000: 20% conventional ≈ $112,000, FHA 3.5% ≈ $19,600. Plus 1-2% closing costs. Most first-time buyers plan for $123,200 cash to close.
For Vallejo first-time buyers
First-time Vallejo home-buyer realtor — honest guidance, no upsell.
Roger Grubb is a 18-year Bay Area realtor (DRE #01845823, Security Pacific Real Estate) who has guided dozens of first-time buyers through Vallejo. He spends as much time talking buyers OUT of bad offers as into good ones — buyer-win rate roughly 2x the regional average. Free 30-min readiness call: (510) 504-0402.
Vallejo stats: median $560,000 · $373/sqft · 24 DOM.
Why Vallejo for first-time buyers
Historic downtown, Mare Island redevelopment, ferry access to SF Ferry Building. The most affordable major Bay Area city in 2026.
Roger\'s read: Heritage District (Victorians) is the gem. Mare Island redevelopment is a 10-year story still unfolding.
Vallejo first-time buyer FAQ
Do I need 20% down?
No. Conventional loans go to 3% down with PMI. FHA at 3.5%. VA at 0%. The right answer depends on your monthly cash flow tolerance and how long you plan to hold the home.
What credit score do I need to buy in Vallejo?
620+ for conventional, 580+ for FHA. Under 620 is usually delay-not-deny — credit repair first.
What's the first-time buyer process in Vallejo?
1) Free 30-min readiness call. 2) Lender pre-approval. 3) Neighborhood walk-throughs. 4) Pre-offer modeling. 5) Negotiation + close. Roger does all 5 personally.
Vallejo first-time buyer? One call.
Roger answers his own phone. (510) 504-0402.