VA Purchase Loan
If the VA Purchase Loan is on your radar for 2026, here is how it works, who it fits, and what to watch for.
How it works
The standard VA purchase loan lets eligible veterans buy a primary residence with $0 down, no monthly mortgage insurance, and a one-time funding fee that can be financed (and is waived for disabled veterans).
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 Purchase Loan?
- The standard VA purchase loan lets eligible veterans buy a primary residence with $0 down, no monthly mortgage insurance, and a one-time funding fee that can be financed (and is waived for disabled veterans).
- Do I need a down payment?
- No — with full entitlement the VA benefit allows $0 down with no monthly mortgage insurance.