VA Construction Loan
Build a home with VA financing and zero down.
How it works
A VA construction loan finances building a home with no down payment, though fewer lenders offer it; some veterans use a one-time-close construction-to-permanent VA loan to avoid two closings.
Key things to know
- $0 down payment with full entitlement, and no monthly mortgage insurance.
- Requires a Certificate of Eligibility (COE) and a primary-residence occupancy plan.
- A one-time funding fee applies (financed; waived for many disabled veterans).
- VA county limits only matter for partial entitlement — otherwise there is no cap.
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Frequently Asked Questions
- What is the VA Construction Loan?
- A VA construction loan finances building a home with no down payment, though fewer lenders offer it; some veterans use a one-time-close construction-to-permanent VA loan to avoid two closings.
- Do I need a down payment?
- No — with full entitlement the VA benefit allows $0 down with no monthly mortgage insurance.