{"id":8299,"date":"2026-07-10T12:04:28","date_gmt":"2026-07-10T17:04:28","guid":{"rendered":"https:\/\/tomo.com\/blog\/?p=8299"},"modified":"2026-07-10T12:04:35","modified_gmt":"2026-07-10T17:04:35","slug":"what-is-a-va-loan","status":"publish","type":"post","link":"https:\/\/tomo.com\/blog\/what-is-a-va-loan\/","title":{"rendered":"What is a VA loan?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">A VA loan is a mortgage backed by the <a href=\"https:\/\/www.benefits.va.gov\/homeloans\/\" title=\"\">U.S. Department of Veterans Affairs<\/a>, available to eligible veterans, active-duty service members, National Guard and Reserve members, and qualifying surviving spouses. The VA doesn&#8217;t lend the money itself. It guarantees a portion of the loan, which is why lenders can offer VA loans with 0% down and no private mortgage insurance (PMI).<\/p>\n\n\n\n<div style=\"height:23px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-left has-background wp-block-paragraph\" style=\"background-color:#ddf5f4\"><strong>Quick facts: VA Loans<\/strong><br>A VA loan is a mortgage guaranteed by the U.S. Department of Veterans Affairs and issued by private lenders to eligible veterans, active-duty service members, National Guard and Reserve members, and qualifying surviving spouses. It requires 0% down and never carries mortgage insurance, and the VA sets no minimum credit score, though individual lenders set their own. In place of monthly mortgage insurance, borrowers pay a one-time VA funding fee, typically 2.15% of the loan amount for first-time use and 3.3% for subsequent use, which can be financed into the loan and is waived for borrowers with VA disability compensation. Loan limits run $832,750 in most areas and up to $1,249,125 in high-cost areas, the benefit can be reused for life, and the loan can only be used for a primary residence, including multi-unit properties up to four units if the borrower occupies one.<\/p>\n\n\n\n<div style=\"height:23px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">How does a VA loan work?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The VA guarantee is what makes the rest of the loan possible. Because the VA backs part of the loan amount, lenders take on less risk, so they can approve borrowers for 100% financing without charging monthly mortgage insurance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The process looks like this:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Get your Certificate of Eligibility (COE).<\/strong> This document proves your service qualifies you for the benefit. You can request it yourself at VA.gov, or Tomo can request it on your behalf.<\/li>\n\n\n\n<li><strong>Apply with a lender.<\/strong> VA loans are issued by private lenders, not the VA directly. Tomo reviews your income, credit, and debt-to-income ratio the same way it would for any other loan type.<\/li>\n\n\n\n<li><strong>Get a VA appraisal.<\/strong> The VA requires its own appraisal to confirm the home meets minimum property standards, in addition to confirming its value.<\/li>\n\n\n\n<li><strong>Close on the home.<\/strong> With Tomo Mortgage, VA loans close in as little as 25 days, compared with a 45-day industry average for VA loans specifically.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">For the full breakdown of service requirements and how much of your entitlement you have left, see <a href=\"https:\/\/tomo.com\/blog\/who-can-get-in-on-a-va-loan\/\">Who Qualifies for a VA Loan?<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/tomo.com\/mortgage\/rates?utm_source=tomo_blog\">See today&#8217;s rates<\/a><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What are the benefits of a VA loan?<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>0% down payment.<\/strong> You don&#8217;t need to save for a down payment to qualify.<\/li>\n\n\n\n<li><strong>No PMI, ever.<\/strong> Even at 0% down, VA loans never carry private mortgage insurance. On a $400,000 loan, that&#8217;s $100 to $300 a month you&#8217;d otherwise pay on a conventional loan until you hit 20% equity.<\/li>\n\n\n\n<li><strong>No VA-set minimum credit score.<\/strong> The VA doesn&#8217;t require a minimum score. Though Tomo Mortgage generally looks for a score of 580 or higher and a higher score can unlock a better rate.<\/li>\n\n\n\n<li><strong>A lifetime benefit.<\/strong> Your VA loan entitlement doesn&#8217;t expire and isn&#8217;t a one-time use. Sell your home and pay off the loan, and you can use the benefit again.<\/li>\n\n\n\n<li><strong>Assumable financing.<\/strong> A future buyer, veteran or not, can take over your loan, including your locked interest rate, if they qualify with the lender. That&#8217;s a real advantage if you locked in a low rate and rates have since risen.<\/li>\n\n\n\n<li><strong>Capped closing costs.<\/strong> The VA limits which fees veterans can be charged at closing.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Who qualifies for a VA loan?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Eligibility generally covers active-duty service members (after 90 continuous days of service), veterans who meet minimum service-length requirements, National Guard and Reserve members (typically 6 years of service, or 90 days of active duty), and qualifying surviving spouses. A Certificate of Eligibility confirms where you stand.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Exact service requirements vary by the era you served in, and how much of your entitlement you have left affects what you can borrow. For the full eligibility breakdown and entitlement details, see <a href=\"https:\/\/tomo.com\/blog\/who-can-get-in-on-a-va-loan\/\">Who Qualifies for a VA Loan? Eligibility Requirements Explained<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">VA loan vs. conventional, FHA, and jumbo loans<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><\/th><th><strong>VA<\/strong><\/th><th><strong>Conventional<\/strong><\/th><th><strong>FHA<\/strong><\/th><th><strong>Jumbo<\/strong><\/th><\/tr><\/thead><tbody><tr><td>Best for<\/td><td>Veterans &amp; service members<\/td><td>Strong credit buyers<\/td><td>Lower credit scores<\/td><td>High-value properties ($833K+ in most states)<\/td><\/tr><tr><td>Minimum credit score<\/td><td>No VA minimum (lender determined)<\/td><td>620<\/td><td>580<\/td><td>700+<\/td><\/tr><tr><td>Minimum down payment<\/td><td>0%<\/td><td>3%<\/td><td>3.5%<\/td><td>10-20%<\/td><\/tr><tr><td>Mortgage insurance<\/td><td>None<\/td><td>Removable at 20% equity<\/td><td>Required for the life of the loan<\/td><td>Usually not required<\/td><\/tr><tr><td>Loan limits (most areas)<\/td><td>$832,750<\/td><td>$832,750<\/td><td>$541,000<\/td><td>Above $832,751<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What does a VA loan cost?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">VA loans replace ongoing mortgage insurance with a one-time VA funding fee. For first-time use, that fee is typically <strong>2.15% of the loan amount<\/strong>; it rises to <strong>3.3%<\/strong> on subsequent use. You can roll it into your loan rather than paying it upfront, it&#8217;s waived entirely if you receive VA disability compensation, and putting down 5% or more reduces it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">On a $400,000 loan, a first-time funding fee runs about $8,600. Financed over 30 years, that adds roughly $54 a month to your payment, well below the $200 to $300 a month you&#8217;d pay in PMI on a comparable conventional loan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Beyond the funding fee, VA loans still carry standard closing costs (appraisal, title insurance, recording fees), though the VA limits what veterans can be charged. Tomo adds no lender fees on top of that: $0 origination fees on every loan, VA included. Check <a href=\"https:\/\/tomo.com\/mortgage\/rates\/va-loans\">today&#8217;s VA loan rates<\/a> for current pricing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How much house can I afford with a VA loan?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Because VA loans don&#8217;t require a down payment or PMI, your monthly budget goes further toward the mortgage itself. Run your numbers through <a href=\"https:\/\/tomo.com\/mortgage\/affordability\">Tomo Mortgage&#8217;s affordability calculator<\/a> to see what payment fits your income and debt load before you start house hunting.<\/p>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/tomo.com\/mortgage\/affordability\">See how much home you can afford<\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Frequently asked questions (FAQs)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Do I have to make a down payment on a VA loan? <\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">No. VA loans allow 0% down, and most lenders, including Tomo Mortgage, offer true no-down-payment financing. You can still choose to put money down to lower your monthly payment, reduce your funding fee, or strengthen your offer in a competitive market, but it isn&#8217;t required.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What credit score do I need for a VA loan?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The VA itself sets no minimum credit score. Tomo Mortgage typically looks for a score of 580 or higher, and scores above 620 generally qualify for better rates. VA loans are more flexible on credit than conventional financing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Can I use my VA loan benefit more than once? <\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yes. The benefit doesn&#8217;t expire or run out. You can sell your home and pay off the loan, refinance into a new VA loan, or buy again later, as long as you have remaining entitlement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Can I have two VA loans at the same time?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In some cases, yes, typically when you&#8217;re relocating for work or military orders and keeping your current home while buying a new primary residence with remaining entitlement. Most borrowers use one VA loan at a time, selling or refinancing before buying again.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Are VA loans assumable?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yes. A future buyer can take over your existing loan, including your locked interest rate and remaining balance, if they qualify with the lender. If the buyer isn&#8217;t a veteran, you won&#8217;t get your full entitlement back until the loan is paid off.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Can I buy a condo or multi-unit property with a VA loan?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Condos must be on the VA&#8217;s approved project list. You can also buy a property with up to four units using a VA loan, as long as you live in one unit as your primary residence. Investment properties and second homes don&#8217;t qualify.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How long does it take to close a VA loan?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With Tomo Mortgage, VA loans close in as little as 25 days, about 44% faster than the 45-day industry average for VA financing. VA appraisals can add a few days versus a conventional loan, but Tomo Mortgage coordinates that process directly.<\/p>\n\n\n\n<div style=\"height:23px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"background: #ddf5f4; padding: 24px 28px; margin: 32px 0; border-radius: 8px;\">\n  \n  <p style=\"font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 600; font-size: 22px; color: #1a1a1a; margin: 0 0 12px 0; line-height: 1.3; text-align: left;\">\n    Ready to experience a different kind of lender?\n  <\/p>\n  \n  <p style=\"font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 400; font-size: 16px; color: #2d2d2d; margin: 0 0 20px 0; line-height: 1.5; text-align: left;\">\n    Tomo was built without lender fees, which means our team&#8217;s success is measured by your closing. If you value transparent pricing and a stremlined digital experience, Tomo Mortgage was built for you.\n  <\/p>\n  \n  <a href=\"https:\/\/tomo.com\/mortgage\/app\/preapproval\" style=\"font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 600; display: inline-block; background: #fb7564; color: #ffffff; font-size: 16px; padding: 14px 28px; border-radius: 6px; text-decoration: none; text-align: left;\">\n    Get Started \u2192\n  <\/a>\n  \n<\/div>\n\n\n\n<div style=\"height:23px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>A VA loan is a mortgage backed by the U.S. Department of Veterans Affairs, available to eligible veterans, active-duty service members, National Guard and Reserve members, and qualifying surviving spouses. The VA doesn&#8217;t lend the money itself. It guarantees a portion of the loan, which is why lenders can offer VA loans with 0% down [&hellip;]<\/p>\n","protected":false},"author":49,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"fifu_image_url":"","fifu_image_alt":"","_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[38],"tags":[298,327],"class_list":["post-8299","post","type-post","status-publish","format-standard","hentry","category-mortgage-dictionary","tag-homebuying","tag-va-loan"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.10 - aioseo.com -->\n\t<meta name=\"description\" content=\"A VA loan is a mortgage backed by the U.S. Department of Veterans Affairs, available to eligible veterans, active-duty service members, National Guard and Reserve members, and qualifying surviving spouses. The VA doesn&#039;t lend the money itself. It guarantees a portion of the loan, which is why lenders can offer VA loans with 0% down\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"author\" content=\"George Paul\"\/>\n\t<link rel=\"canonical\" href=\"https:\/\/tomo.com\/blog\/what-is-a-va-loan\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 4.9.10\" \/>\n\t\t<meta property=\"og:locale\" content=\"en_US\" \/>\n\t\t<meta property=\"og:site_name\" content=\"Tomo Mortgage | Reports - Tomo Reports - Mortgage Tips &amp; Real Estate Trends\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"What is a VA loan? - Tomo Mortgage | Reports\" \/>\n\t\t<meta property=\"og:description\" content=\"A VA loan is a mortgage backed by the U.S. Department of Veterans Affairs, available to eligible veterans, active-duty service members, National Guard and Reserve members, and qualifying surviving spouses. 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