VA Loans, $0 Down for Those Who Served

Why the VA loan is the strongest benefit in lending

A VA loan is guaranteed by the U.S. Department of Veterans Affairs and available to eligible veterans, active-duty service members, and many surviving spouses. It combines advantages no other program matches.

• $0 down payment with full entitlement, anywhere in the PNW, with no VA loan limit
• No monthly mortgage insurance, ever, a permanent monthly savings versus FHA or low-down conventional
• The most DTI-forgiving program in lending, no hard cap; with strong residual income, approvals up to roughly 60% happen regularly (the 41% figure is only a guideline trigger)
• Assumable, a future buyer can take over your rate
• Seller can pay all closing costs plus up to 4% in concessions

The one cost to know: the funding fee

Instead of monthly mortgage insurance, VA charges a one-time funding fee (about 2.15% on a first-use $0-down purchase, roughly 3.3% on subsequent use), which is usually financed into the loan. It is waived entirely for veterans with a service-connected disability rating and certain surviving spouses.

Entitlement, limits, and reuse

With full entitlement there is no loan cap. With reduced entitlement (for example, an existing VA loan), your maximum ties to the county conforming limit, $832,750 in most PNW counties for 2026. You can reuse the benefit, and in some cases hold two VA loans at once. Connor helps you request your Certificate of Eligibility and maps out exactly what to expect.

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