VA loans are guaranteed by the Department of Veterans Affairs for eligible active-duty, veterans, National Guard, Reserves, and qualifying surviving spouses. The best program in the market for those who qualify.
0%
None
1.25%-3.3% (waivable)
580 (most lenders)
There is no hard limit. You can restore entitlement by paying off or selling the property, or use remaining entitlement for a second VA loan simultaneously.
No, VA requires owner-occupancy. But 2-4 unit properties are eligible if you occupy one unit.
Not with full entitlement. You can exceed conforming limits with zero down. Partial entitlement is where county limits come back into the math.
An active-duty service member relocating to Solano County with full entitlement and a 30% disability rating.
Closed with only earnest money out of pocket after a seller credit covered closing costs, and no funding fee thanks to the disability waiver.
A veteran with full entitlement buying above the conforming limit, where many people wrongly assume VA caps out.
With full entitlement there is no VA loan cap, so the purchase closed at zero down well above the conforming limit.
Examples are illustrative composites of typical files, not offers of credit or guarantees of terms. Your actual options depend on your credit, income, property, and current market pricing.