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VA Mortgage Loan

Mortgage Amount

Maximum loan amount is 424,000. Cannot add VA Funding Fee to exceed that amount.

Down Payment

No down payment required, However veteran must invest at least $1.00.

VA Funding Fee

1. The fee for an initial loan with no down payment is 2.15 percent for a veteran of active duty and 2.4 percent for persons qualifying solely on Reserve or Guard duty.
2. The fee for a subsequent loan with no down payment, for both veterans of active duty and Reserve/Guard, is 3.3 percent.
3. The funding fee for a loan with a down payment of greater than 5 but less than 10 percent is 1.5 percent for a veteran of active duty and 1.75 percent for persons qualifying solely on Reserve or Guard duty.
4. The funding fee for a loan with a down payment of 10 percent or more is 1.25 percent for a veteran of active duty and 1.5 percent for persons qualifying solely on Reserve or Guard duty.

Seller Contributions

May pay all closing costs, including pre-paid items.

Qualifying Ratios

41% for all debt, including mortgage payment. Higher ratios may be acceptable.