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Less Cash, More Flexibility: VA Loans Can Help Veterans Become Homeowners About Four Years Sooner

PR Newswire•10/11/2026•06:00 ET
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Key Highlights

  • ➤0% down VA loans can make veterans homeowners about four years sooner
  • ➤75.7% of VA-loan home sales had zero down over the past year
  • ➤VA loans averaged 5.81% rates versus 6.22% for conforming loans
  • ➤VA borrowers averaged 4.3% down payments versus 19.1% for conforming loans
  • ➤Only about three in 10 veterans know VA loans require no down payment

Expert Statements

Jiayi Xu, senior economist at Realtor.com

“VA loans can change the math of buying a home for eligible veterans and service members”

Jiayi Xu, senior economist at Realtor.com

“The advantage goes beyond buying with no down payment. Lower mortgage rates and more flexible credit criteria can also put homeownership within reach for buyers who might otherwise struggle to qualify. Making sure veterans understand these benefits is an important first step.”

Chris Birk, vice president of mortgage insight at Veterans United Home Loans

“The VA loan is one of the most powerful homebuying tools available, but knowing what you've earned and what it can do for you are two different things. That's the education gap we're working to close with Mission Zero.”

Chris Birk, vice president of mortgage insight at Veterans United Home Loans

“The biggest benefit of VA loans has been there from the beginning – the ability to buy with 0% down. But too many veterans still don't know that's possible. We have to continue to challenge homebuying misconceptions, close the education gap and make sure veterans and service members understand what their hard-earned homebuying benefit truly offers.”

Less Cash, More Flexibility: VA Loans Can Help Veterans Become Homeowners About Four Years Sooner PR Newswire

Realtor.com(®) survey data shows down payments and credit remain major barriers to homeownership, while a Veterans United survey finds only about three in 10 veterans know about the zero-down benefit

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