2025 Zero Down VA home loans with NO upper Loan Limits

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Started in 2020 VA will no longer require a down payment on a house because the value is higher than the conforming loan limit. Zero Down VA loans NO loan limit Jan 1st 2020.

Jan 1st 2025 the conforming VA loan limit is $806,500. You can have a VA zero down loan over $806,500, it is just considered a VA High Balance loan.  You buy a house for $1,200,000+ with your VA eligibility and it is ZERO down.

Loan Fee Rates for Loans Closing on or After April 7, 2023 and prior to November 14, 2031

VA Purchase or Construction Loans

 

Down Payment Amount

Funding Fee Percentage

First Use

Less than 5%

2.15%

 

5% or more

1.5%

 

10% or more

1.25%

Subsequent Use

Less than 5%

3.3%

 

5% or more

1.5%

 

10% or more

1.25%

VA Cash-Out Refinance

 

Funding Fee Percentage

First Use

2.15%

Subsequent Use

3.3%

VA IRRRLs

Loan Type

Funding Fee Percentage

Interest Rate Reduction Refinance Loan (IRRRls)

0.5%

The Funding fee can be paid upfront or rolled into your loan.

 

VA Loan Low Credit Score ZERO DOWN LOAN 500 Minimum Credit

VA IRRRL / Rate Reduction No Credit Score Required

VA Loan – Manual Underwrite – 500 Minimum Score

VA Cash-Out Loans to 100% “Loan To Value” (LTV) with 500 Credit Scores

VA and FHA Loans with Low Credit Scores vs. Bad Credit. What’s the Difference?

NO Overlay Lender

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NMLS Consumer Access
www.nmlsconsumeraccess.org
NMLS # 33043

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