VA purchase

VA purchase loan

Eligible buyers can purchase a primary home with no down payment and no monthly mortgage insurance. VA Lending Group is the VA division of USA Mortgage Group.

Certificate of Eligibility confirms entitlement.
The home must be your primary residence.
The VA funding fee is usually financed. Exempt Veterans skip it.
The appraisal is a VA appraisal. Condition issues can be called out.
You may use the benefit again after entitlement is restored or with remaining entitlement.

Estimated monthly

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Enter a down payment to see your payment.

Estimates only, not a loan quote. This is an estimate for illustration only, not a quote, rate lock, or loan approval. Rates and terms depend on your full application.

Turn this estimate into a real pre-approval

Questions

Straight answers

Do I need a down payment?

Not if entitlement and the appraisal support 100% financing. Closing costs still exist, and a seller can pay some of them within VA rules.

What is the funding fee on a first purchase?

A common first-use, zero-down fee is 2.15% of the loan. Putting money down can lower it. Disability-exempt Veterans pay $0. Congress can change the schedule.

Can the seller pay closing costs?

Yes, within VA concession rules. They cannot pay your debts as a way around residual income.

How fast can we close?

Often in the same 30 to 45 day contract window as other loans, once the COE and appraisal are in.

What if I was turned down before?

A prior decline is not a ban. Credit, residual income, and the property are what matter now.

Can I buy a condo?

Only if the project is VA-approved, or it qualifies for an exemption. We check the condo list before you write the offer.

Reviewed by Patrick Crawford, NMLS #231625 · Last updated October 28, 2026