VA eligible

$0 down, earned.

If you're a service member, veteran, or eligible surviving spouse, a VA-backed loan can change the starting line: $0 down, no private mortgage insurance, and competitive rates.

$0 down pathNo PMIVerify eligibility first

Who this fits

  • You're active duty, a veteran, or in the National Guard or Reserves
  • You're an eligible surviving spouse
  • You want to put little or nothing down
  • You'd rather skip private mortgage insurance entirely

How it works

  1. 1The VA guarantees part of the loan, which is why lenders can offer $0 down on many purchases.
  2. 2Eligibility is confirmed with a Certificate of Eligibility — we help you check this first.
  3. 3VA loans carry no private mortgage insurance, which lowers the monthly payment.
  4. 4A VA-approved lender in your state handles the application and closing.

What to know

A VA funding fee usually applies, though some buyers — including those with a service-connected disability — are exempt. The home must meet VA property standards, and you'll work with a VA-approved lender. We're not a lender; we help you confirm eligibility and find the right professionals.

Is this your route?

Take the 90-second quiz. No card, no credit pull, no obligation — we’ll confirm whether the va eligible route fits and what comes next.

Take the quiz

The Home Programs is not a lender or mortgage broker and does not originate loans, take applications, or make credit decisions. Programs, rates, and terms are offered by third parties and are subject to change without notice. Equal Housing Opportunity. See our disclosures.