720 Credit Score VA Loan
A 720 earns near-best VA pricing. Zero down, no PMI, and a top-tier rate are all yours.
By Onias Derilus, Mortgage Capital · NMLS# 1859012 · Last Updated: June 2026
A 720 credit score earns near-best VA loan pricing. The rate is in the strongest range the program offers, lenders compete hard, and the zero-down, no-PMI structure is fully intact. From here the difference a higher score makes is small, so a 720 buyer is essentially at the top of what VA pricing rewards.
Top of the Pricing Curve
At 720 the VA rate is about as good as the program gets for most lenders. The score has done its job; the remaining variables are loan amount, term, and the funding fee, which depends on service and prior use rather than credit.
Pushing to 740 or higher might shave a touch more, but the practical difference is minor. A 720 VA buyer should focus on structure, not on chasing a few more points.
| Factor | VA at a 720 Score |
|---|---|
| Down Payment | $0 |
| Rate | Near-best |
| Above 720 | Minor gains |
| Mortgage Insurance | None |
720 Score VA Loan — FAQ
Yes. A 720 earns near-best VA pricing with zero down and no monthly insurance. The rate is in the strongest range the program offers, and higher scores add only minor gains.
Usually not. The pricing benefit above 720 is small, so it rarely justifies delaying. Focus instead on loan structure and the funding fee, which depends on service history rather than credit.
A VA Loan With a 720 Score?
Get matched to the right Florida loan for your score · Licensed FL mortgage broker NMLS# 1859012
Rates are illustrative only. APR and payments vary by credit score, loan amount, and market conditions. Subject to credit approval. Not a commitment to lend. NMLS# 1859012. Equal Housing Lender.