VA Loans
Do VA loans require a down payment?
Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
No. Eligible borrowers with full entitlement can buy with $0 down up to what the lender will finance — there's no down payment requirement on a VA loan. It's one of the program's biggest advantages.
A down payment is only needed if you have reduced entitlement or exceed lender limits. We'll confirm your entitlement and structure a true zero-down purchase where possible.
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