A possible no-down-payment path
Eligible borrowers may not need a down payment. Entitlement, price, appraisal and lender requirements matter.
You served · VA home loans
Your service.
Your service.
Your way home.
Explore home financing benefits for eligible veterans, service members and certain surviving spouses. Understand the benefits and the conditions together.
Explore purchase numbers
General purchase calculator. It does not check VA eligibility or model VA funding fees.
Benefits, with the details
Know what your benefit can do.
No monthly mortgage insurance
VA purchase loans do not require monthly mortgage insurance. A funding fee and other closing costs may still apply.
Room to explore your options
With full entitlement, VA does not set a county loan limit. Your lender still reviews what you can afford.
Your VA checklistFrom eligibility
From eligibility
to a place of your own.
- Service history and Certificate of Eligibility
- Any previous use of VA entitlement
- Property type and plans to live in the home
Confirm your benefit
A Certificate of Eligibility (COE) helps establish entitlement. The lender also reviews credit and income.
Understand the costs
Ask about the VA funding fee, any exemption, closing costs and the full amount you would finance.
Check the property early
The home must meet VA requirements. For a condo, ask about project approval before moving ahead.
A little more detailGood questions.
Good questions.
Clear answers.
Does a COE mean my loan is approved?
No. A Certificate of Eligibility helps confirm your VA loan benefit. Lender review, income, credit, entitlement and property requirements still apply.
Will I pay a VA funding fee?
Many borrowers pay a one-time funding fee, but exemptions may apply. The amount depends on the loan and other factors. Confirm your fee or exemption using the official VA guidance and your lender.
Can I use my benefit again?
Often, yes. Remaining entitlement and the rules for restoring entitlement matter. Ask the lender to review your prior VA loans and Certificate of Eligibility.
Can I buy a condo in Hawaiʻi?
Potentially. The condo project must meet VA approval requirements, and the unit and borrower must qualify. Check the project early, along with insurance, association costs and any assessments.
Your next stepStart with a payment.
Start with a payment.
Then confirm the benefit.
Explore purchase principal and interest, and use the VA’s own guidance to understand eligibility and costs.
Eligibility and approval are not guaranteed. CROSSCREST is not affiliated with or endorsed by the Department of Veterans Affairs or any government agency.