Can I get a VA loan with no down payment?

Yes! One of the biggest benefits of VA loans is 0% down payment required. With full entitlement, there's also no loan limit—you can borrow as much as a lender will approve based on your income and credit.

Do VA loans have PMI?

No! VA loans never require Private Mortgage Insurance (PMI), even with 0% down. This can save veterans $100-$400+ per month compared to conventional loans with low down payments.

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VA Loan Calculator

Q: What is the VA funding fee?

The VA funding fee is a one-time fee paid to the VA that helps sustain the loan program. For first-time use with 0% down, it's 2.15% of the loan amount. The fee is reduced with larger down payments and can be financed into the loan. Veterans with service-connected disabilities are exempt.

Calculate your VA loan payment with 0% down and no PMI. See VA funding fee options and exemptions for disabled veterans.

🧮 VA Loan Details

Home Price

Down Payment (Optional)

Interest Rate

Loan Term

Property Tax (Annual)

Home Insurance (Annual)

HOA (Monthly)

🎖️ VA Loan Options

First-time VA loan use

Subsequent use has higher funding fee (3.3% vs 2.15%)

Funding fee exempt (10%+ disability/Purple Heart)

Saves thousands at closing

Your VA Loan Payment

Monthly Payment

$2,938

per month

✓ $0 Down Payment Required

✓ No PMI—Ever

✓ Competitive Rates

Principal & Interest $2,155

Property Tax $583

Home Insurance $200

HOA $0

🏛️ VA Funding Fee

Fee Rate 2.15%

Fee Amount $7,525

Financed Into Loan Yes

Base Loan $350,000

Total Loan (w/ Fee) $357,525

Total Interest $418,382

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*Estimates only. Actual rates depend on credit and lender. Serving Texas & 40+ states.

VA Loan Benefits

Why VA loans are often the best option for eligible veterans

💰 0% Down Payment

No down payment required with full entitlement. Buy a home without depleting your savings—one of the biggest advantages of VA loans.

🚫 No PMI Ever

VA loans never require Private Mortgage Insurance, even with 0% down. This saves veterans $100-$400+ per month compared to conventional loans.

📉 Competitive Rates

VA loans typically have lower interest rates than conventional loans because they’re backed by the government, reducing lender risk.

🎖️ Funding Fee Exemption

Veterans with 10%+ service-connected disability, Purple Heart recipients, and surviving spouses receiving DIC are exempt from the funding fee.

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Adam Bartling is an Army veteran who understands your journey. Let him help you maximize your VA benefits with no upfront credit check.

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VA Loan FAQ

Common questions about VA home loans

What is the VA funding fee?

The VA funding fee helps sustain the VA loan program. For first-time use with 0% down, it’s 2.15%. The fee decreases with larger down payments (1.5% with 5%+ down, 1.25% with 10%+ down) and can be financed into your loan.

Who is exempt from the VA funding fee?

Veterans with service-connected disabilities rated 10% or higher, Purple Heart recipients, and surviving spouses receiving Dependency and Indemnity Compensation (DIC) are exempt—saving thousands in closing costs.

Can I use my VA loan benefit more than once?

Yes! You can use your VA benefit multiple times. You can even have two VA loans at once in certain situations. Note that the funding fee increases to 3.3% for subsequent use with 0% down.

Is there a VA loan limit?

With full entitlement, there’s no VA loan limit—you can borrow as much as a lender approves based on your income and credit. Limits only apply if you have reduced entitlement from a previous VA loan.

🎖️ VA Loan Details 🔑 First-Time Buyers 💰 Refinance Options 📞 Contact Us

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Adam Bartling—Army veteran and mortgage broker—will help you navigate the VA loan process and find your best rate from multiple lenders.

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