Frequently Asked Questions

What is VA loan entitlement?

VA loan entitlement is the amount the VA guarantees on your loan. Full entitlement means no loan limit. If you've used some entitlement, remaining entitlement determines your maximum loan without a down payment.

What is the VA funding fee?

The VA funding fee ranges from 1.25% to 3.3% of the loan amount depending on down payment and first-time use. Veterans with service-connected disabilities are exempt.

Can I use my VA loan benefit more than once?

Yes, VA benefits can be reused. Pay off a previous VA loan to restore full entitlement, or have two VA loans simultaneously with remaining entitlement.

Do VA loans require a down payment?

VA loans typically require $0 down with full entitlement. A down payment may be needed with reduced entitlement or above county loan limits.

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