EN
ESConfirm your eligibility
A Certificate of Eligibility helps establish your VA benefit. It does not replace the lender’s review of income, credit and the property.
Understand the full cost
Eligible borrowers may be able to buy without a down payment. VA loans generally do not have monthly mortgage insurance, but a funding fee may apply unless you qualify for an exemption. Closing costs and cash needs still deserve a close look.
Use the benefit with a plan
Available entitlement, occupancy, appraisal and the lender’s requirements affect the transaction. Discuss prior VA loans early so your financing strategy reflects your situation.
Let’s start with these details.
- Certificate of Eligibility or service details
- Current income and debts
- Any previous VA loan history
- Primary-residence plans
Educational overview only. Program requirements, availability and terms vary. No guarantee of qualification or approval. For additional consumer guidance, see the CFPB homebuying resources.