Do I have to be a first-time buyer for VA Home Loan?

No. The program does not require first-time buyer status.

Is there an income limit?

Yes. The listed income limit is None (residual income standards).

What credit score does VA Home Loan list?

The listed minimum credit score is 580.

VA Home Loan

VA Home Loan is a va-guaranteed first mortgage from U.S. Department of Veterans Affairs. Available statewide in Idaho. First-time buyer status is not required. Income limit: None (residual income standards).

Amount varies by program

Listed as open as of May 26, 2026

Available statewide in Idaho.

First-time buyer	Not required
Income limit	None (residual income standards)
Minimum credit score	580
Occupations	Eligible veterans, active-duty military, certain National Guard/Reserve, surviving spouses
Sales price cap	No VA cap with full entitlement
Amount notes	100% financing; no PMI
Notes	Pairs with IHFA DPA and MCC. DAV of Idaho offers supplemental services.
Phone	877-827-3702

Source U.S. Department of Veterans Affairs·official program page·Listed May 26, 2026

Cal has not re-checked this listing recently. Confirm the current terms with the program administrator before relying on them.

Provider: U.S. Department of Veterans Affairs · program details at the provider’s site.

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