VA Home Loan

Overview

Zero down payment, no PMI, competitive rates — exclusively for veterans, active military, and qualifying spouses.

Detailed requirements

No down payment required. No private mortgage insurance. VA funding fee applies (waived for some disabled vets). Must meet service requirements and obtain Certificate of Eligibility. Must be primary residence.

Eligibility at a glance

Veterans/military only

Yes

Owner-occupied required

Yes

Note: Eligible: veterans, active-duty service members, National Guard, Reserve, certain surviving spouses. Requires Certificate of Eligibility.