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VA Home Loan

VA Home Loan is a loan program (0% down) from VA. Coverage: Veterans, active duty, Reserves/Guard, surviving spouses. Up to 100% toward a home purchase. First-time buyer status is not required. Income limit: No income limit; residual income required.

Up to 100%
Listed as open as of May 2026

Coverage: Veterans, active duty, Reserves/Guard, surviving spouses.

First-time buyerNot required
Income limitNo income limit; residual income required
Minimum credit score580
Maximum DTI41%
OccupationsVeterans, active duty, Reserves/Guard, surviving spouses
Property typesSFR, condo (VA-approved), manufactured, multi-unit (owner-occ)
OccupancyOwner-occupied primary (60-day)
Eligible loan productsVA
Sales price capNo VA price cap (county loan limit removed for full entitlement)
RepaymentFunding fee: 2.15% first use / 3.3% subsequent (no down); 1.5% w/5%; 1.25% w/10%. Disabled vets exempt.
StackingLayers with most DPA
NotesNo PMI. COE required. Reusable entitlement.
Source VA·official program page·Listed
Cal has not re-checked this listing recently. Confirm the current terms with the program administrator before relying on them.

Provider: VA · program details at the provider’s site.

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