A path with no down payment
Eligible borrowers may be able to purchase without a down payment. Entitlement, the appraised value, and lender requirements affect what is possible.
Honoring your service. Supporting your next chapter.
You’ve served.
We’re here to
serve you.
Your service is part of your story. Your home should fit the life you’re building next. Get personal VA loan guidance with a team that takes your plans—and your earned benefit—to heart.
For those who serve. For the people they call home.
Veterans. Servicemembers. Military families.
Your next chapter matters here.
Put your benefit to work
Three things to clarify before you shop.
- Your eligibility and prior VA use. Review your Certificate of Eligibility and any existing VA loan with your broker.
- Your full cash plan. Look at closing costs, prepaid taxes and insurance, and whether a funding fee applies—even when no down payment is needed.
- Your comfortable payment. Include taxes, homeowners insurance, and any association dues alongside principal and interest.
Bryan brings his perspective as a U.S. Army Veteran and VA Loan Specialist to these conversations, helping you understand your benefit and the next step.
Explore a VA paymentMake your benefit make sense
Possibilities worth understanding.
We’ll explain what VA financing could mean for your purchase, then look at how it fits your budget and plans.
No monthly mortgage insurance
VA-backed loans do not require monthly mortgage insurance. You still need to plan for taxes, homeowners insurance, and other housing costs.
A clear view of closing costs
A VA funding fee may apply, with exemptions for qualifying borrowers. We’ll review your fee status and the other funds needed for closing.
Eligibility does not guarantee loan approval. Credit, income, occupancy, property, and lender requirements still apply. Explore VA purchase benefits · Funding fees and exemptions
Clear answers. Personal attention.
Start with what’s
on your mind.
You don’t need every answer before you reach out. We’re here to help you find them.
How do I know if I’m eligible?
A Certificate of Eligibility (COE) establishes eligibility for the VA home loan benefit. We can help you understand the next steps. The lender also reviews your finances and the property.
Can I use my VA benefit again?
Prior use does not necessarily end your benefit. Your available entitlement, any current VA loan, and your plans for the next home all need to be reviewed.
Does no down payment mean no money at closing?
No. Closing costs, prepaid taxes and insurance, and a funding fee may still apply. We’ll work through a full upfront budget and any available credits with you.
Could I be exempt from the funding fee?
Some borrowers qualify for an exemption, including certain veterans with service-connected disability benefits, eligible surviving spouses, and qualifying active-duty Purple Heart recipients. We’ll help review your status before closing.
Atwood Mortgage is an independent mortgage brokerage, not affiliated with or endorsed by the Department of Veterans Affairs or any government agency. Background imagery is an illustrative AI-generated scene.