2026 Zero Down VA home loans with NO upper Loan Limits
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 2026 the conforming VA loan limit is $832,750. You can have a VA zero down loan over $832,750, it is just considered a VA High Balance loan. You buy a house for $1,600,000+ 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?
