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Loan program · VA

VA Loans — Zero Down for Veterans

A VA loan lets eligible veterans, active-duty service members, and qualifying surviving spouses buy with zero down payment and no monthly mortgage insurance — typically at rates below conventional loans. There is no minimum credit score set by the VA itself, the seller can pay closing costs, and the benefit is reusable. If you served, this is almost always the first option to price.

0% down, no mortgage insurance, for veterans and active-duty service members. Straight answers below, and a calculator that runs your numbers with today's averages.

Run your numbers

Purchase price$1,000,000
Down payment (0% allowed)20% · $200,000
VA Loan est. payment$4,791/mo

Principal & interest at 5.990% (avg 6/22/2026) over 30 years on $800,000. Taxes, insurance, and any mortgage insurance or program fees not included. Informational only, not a commitment to lend.

The numbers

0%

Down payment

100% financing on a primary residence

$0

Mortgage insurance

no monthly MI at any down payment

Lower

Typical rates

VA pricing usually beats conventional

Reusable

Benefit

use it again on your next home

Who it fits

  • Veterans, active-duty service members, National Guard and Reserve members with qualifying service.
  • Qualifying surviving spouses.
  • Buyers who want to keep their savings intact — zero down, and the seller can cover closing costs.
  • Repeat use: the VA benefit is not one-and-done; it can be restored and reused.

Straight answers

Veterans, active-duty service members, many National Guard and Reserve members, and qualifying surviving spouses. Eligibility is documented with a Certificate of Eligibility (COE) — I can pull yours in minutes.

Yes — 100% financing on a primary residence, with no monthly mortgage insurance. The VA charges a one-time funding fee that can be financed into the loan, and it's waived entirely for buyers with a service-connected disability rating.

Usually the opposite — VA rates typically price below conventional. Check today's averages on this page.

Yes. VA allows the seller to pay your closing costs and certain concessions — in the right negotiation you can get in with very little cash.

Yes. The entitlement can be restored when a prior VA loan is paid off, and in many cases you can have two VA loans at once.

Your loan officer

Brett Hickman

Home First Financial

Brett Hickman

Mortgage Loan Originator · NMLS #2010859

+19493508005

Text Brett to check eligibility →