Real EstateOfficial source

VA Home Loans

0% downFor eligible Veterans, service members & surviving spouses

VA-guaranteed loans let eligible Veterans and service members buy a primary home with no down payment and no private mortgage insurance.

Who it's for

Eligible Veterans, active-duty service members, National Guard/Reserve members and some surviving spouses.

General eligibility

  • Meet VA service requirements
  • Obtain a Certificate of Eligibility (COE)
  • Home will be your primary residence

What you'll typically need

  • Certificate of Eligibility (COE)
  • Lender's credit and income review
  • VA appraisal of the property
  • VA funding fee (some are exempt)

Program information summarized from the agency's public materials. Not an offer of credit, a guarantee of eligibility, or an endorsement by the agency. Requirements change over time — always confirm current details with the agency or a licensed professional.