A VA purchase loan helps eligible buyers finance a primary home. For many, that means no down payment. There is no monthly mortgage insurance.
You can still put money down if you want a lower payment or a lower funding fee. The seller can pay some closing costs, within VA limits.
We write offers with agents all the time. If you do not have an agent yet, we can still start the loan conversation.
The VA confirms eligibility. A lender still has to approve the loan. This page is information, not a commitment to lend.
How it goes
01
Talk through the payment
Price range, down payment, and what you want the monthly number to feel like.
02
Get a real pre-approval
When you are ready, we move from the short form to a credit pull we ask you about first.
03
Shop the home
Your agent shops houses. We stay available when the seller wants proof of funds and approval.
04
Close
We coordinate with the agent, escrow, and the lender.
A simple affordability example
Uses a 43% debt to income example. Lenders set their own limits. This is not an approval.
Enter your numbers to see an estimate.
Questions we hear
Is zero down really allowed?
For eligible buyers, a VA purchase can be done with no down payment. You still need to qualify, and the home has to meet VA property rules.
Do I pay mortgage insurance every month?
No. VA loans do not charge monthly mortgage insurance. A one-time funding fee may apply unless you are exempt.
Can I buy a condo or a multi-unit home?
Sometimes. Condos need to meet VA rules. A small multi-unit home can work if you live in one unit. We will check the property before you fall in love with it.
What if I was told I do not have entitlement left?
Ask us to look again. Entitlement can be restored in some cases. We will not guess from a sentence in an old letter.
When do you pull credit?
Not on the short form. Only if you decide to apply, and we tell you before we do it.
Rates change daily. Talk to a real lender, Mon-Fri, 9 AM-6 PM PT.
Sunview Lending is not affiliated with or endorsed by the U.S. Department of Veterans Affairs or any government agency. This is not a commitment to lend.
Reviewed by Roland Suncire, Founder and President, NMLS 1196184. Last updated October 2026. Reviews