Can a VA loan offer zero down?
Eligible borrowers may finance up to the allowed purchase price without a down payment, subject to entitlement, value, credit, income, and approval.
VA HOME LOANS
Use the benefit you earned with a plan that makes sense.
VA loans can offer eligible Veterans, service members, and surviving spouses powerful financing options in Idaho and Oregon, often without a down payment or monthly mortgage insurance.
What a VA loan can offer
- Eligible borrowers may finance up to the permitted value without a required down payment.
- No monthly private mortgage insurance.
- Flexible credit and debt-to-income evaluation within lender and VA requirements.
- Purchase, refinance, IRRRL, and certain adapted-housing options.
What to review early
- Certificate of Eligibility and remaining entitlement.
- VA funding-fee status and possible exemption.
- Property condition and VA appraisal requirements.
- Occupancy, residual income, closing costs, and seller concessions.
Zero down does not mean zero cash in every transaction. Earnest money, inspections, appraisal fees, closing costs, and the difference between price and appraised value may still matter.
Want to know how this fits your situation?
Jeff can help you compare the payment, cash required, qualification rules, and tradeoffs without turning the first conversation into a sales pitch.