VA home loan
Buy a home with no down payment and no private mortgage insurance. Funding fee waived for disabled veterans.
Apply on the official site ↗Goes to VA.gov. Applying is free.
Who generally qualifies
Veterans, service members and some surviving spouses with enough service time.
Exact income limits and rules are set by U.S. Department of Veterans Affairs and can change. Check the official site for current details.
How to apply
- Get your Certificate of Eligibility at VA.gov.
- Apply with a VA-approved lender.
What to have ready
- DD-214
- Income and credit information
Common questions
- Does it cost anything to apply?
- No. Applying through the official site is free. Be wary of anyone who charges a fee to apply for you.
- Do I have to pay it back?
- Yes. This is a loan and must be repaid, usually on better terms than a regular loan.
- Who decides if I qualify?
- U.S. Department of Veterans Affairs makes the final decision. This page explains the program in general terms only.
- Where can I find current income limits and amounts?
- Income limits, benefit amounts and deadlines change, so check VA.gov for the latest details.
Link checked October 22, 2026. BenefitSearch is not affiliated with U.S. Department of Veterans Affairs.