Home loan · U.S. Dept. of Veterans Affairs
VA home loan
Rate varies0% down
No down payment and no mortgage insurance for borrowers with full entitlement. A one-time funding fee applies (2.3% for first use with nothing down) and can be financed. No income limits.
- Term
- Up to 30 years
- Available in
- National
- Last checked
- Oct 17, 2026
What you need
- Military service or veteran
- Certificate of Eligibility
Before you sign
- Zero down still leaves closing costs, often 2% to 5% of the price; a seller credit can cover some of them.
- Compare the APR and any funding or origination fee, not just the rate.
- Keep savings for repairs, since you start with little equity.
Offers change often and vary by credit and region. Confirm the final terms with U.S. Dept. of Veterans Affairs.
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