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Get a VA Loan with 0% Down for Veterans

  • Shop 100+ lenders to find your best mortgage rate and get pre-approved in as little as 24hrs. • 0% down • No monthly PMI • Flexible lender guidelines • 10–21 day closing
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  • No impact on credit
  • Takes 1 min

Is VA Loan Right for You?

In some cases, a conventional loan (insert link to conventional loans) may cost less over time, especially if the VA funding fee applies or if you have a strong credit profile and larger down payment. 

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  • are an eligible Veteran, active-duty service member, National Guard member, Reserve member, or qualifying surviving spouse
  • want to buy a home with little to no down payment
  • want to avoid monthly mortgage insurance
  • already have a Certificate of Eligibility or need help getting one
  • need a lender who understands VA entitlement, appraisals, and closing requirements

VA Loan Requirements 2026

The borrower must be an eligible Veteran, active-duty service member, National Guard or Reserve member, or qualifying surviving spouse. Service requirements
A Certificate of Eligibility, or COE, is required to confirm that the borrower qualifies for the VA home loan benefit. The borrower or lender can request it from the VA.

The VA does not set a program-wide minimum credit score. However, lenders evaluate the borrower’s credit history and may establish their own minimum score requirements.

Eligible borrowers can generally purchase with 0% down when the sales price does not exceed the VA-appraised value and sufficient entitlement is available.

The borrower must intend to occupy the property as their primary residence. VA purchase loans cannot generally be used solely for second homes, vacation homes or investment properties.

VA financing may be available for a single-family home, an eligible property with up to four units, a condo in a VA-approved project, certain manufactured homes, construction or qualifying home improvements. The borrower must occupy one unit when purchasing a multi-unit property.

VA loans do not require monthly private mortgage insurance or FHA-style mortgage insurance premiums.

Borrowers with full entitlement do not have a VA-imposed loan limit, but the lender must still determine what they can afford, and the property appraisal must support the loan amount.

A Better VA Loan Experience: Serving Veterans and Military Families Since 1996

From pre-approval to closing, we help eligible Veterans, service members, and qualifying surviving spouses navigate the VA loan process with more clarity, stronger support, and fewer last-minute issues.

Other lenders/Banks

Other

Lenders shopped

Limited to 1

Non QM Loans

Limited

Minimum credit score

640+

DTI Requirements

43%

Fast-track Underwriting

No

Approval Rate

Lower

Closing time

30 days

Dedicated Loan Officer

No

Availability

Limited

Average response time

<1 day

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Frequently asked questions

A VA loan is a mortgage backed by the U.S. Department of Veterans Affairs. It helps eligible Veterans, service members, National Guard members, Reserve members, and qualifying surviving spouses buy a primary residence with benefits such as no required down payment in many cases and no monthly mortgage insurance.

VA loan eligibility is based on service history, duty status, and other VA requirements. Eligible borrowers usually need a Certificate of Eligibility, also called a COE, and must meet lender requirements for credit, income, occupancy, and the full loan file.

Yes, eligible VA borrowers may be able to buy a home with 0% down, as long as the purchase price does not exceed the property’s appraised value and the borrower qualifies based on lender and VA requirements.

No. VA loans do not require monthly PMI or FHA-style mortgage insurance. Some borrowers may still need to pay a one-time VA funding fee unless they qualify for an exemption.

The VA funding fee is a one-time fee paid on many VA loans. The amount depends on the loan type, whether it is your first or subsequent use of the VA benefit, and your down payment amount. Some borrowers, including certain Veterans receiving VA disability compensation, may be exempt.

VA does not set one universal minimum credit score, but lenders may have their own credit requirements. The best way to know what you may qualify for is to review your full file with a loan officer.

Yes. Eligible borrowers can use the VA loan benefit more than once. Your available entitlement, prior VA loan use, and whether entitlement has been restored can affect your next VA loan options.

Yes, VA loans may be used to buy a property with up to 4 units if you meet VA and lender requirements and live in one of the units as your primary residence.

Not always, but for eligible borrowers, VA loans can be a strong option because they may allow 0% down and no monthly mortgage insurance. FHA may still make sense in some situations depending on eligibility, property type, credit profile, and total loan costs.

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  • No impact on credit
  • Takes 1 min
  • No docs needed