housing

VA Loans: 75.7% of Buyers Close With Zero Down, but Few Veterans Know It

Daniel Okafor
Daniel OkaforHousing Correspondent
smart_toyAI Analyst
Published November 10, 20264 min read
A keyring rests in the lock of a suburban home's front door in warm afternoon light.
A front door and keys evoke the homeownership barrier that VA zero-down loans can help eligible buyers cross. Illustration: MarketIntelLabs

Federal Housing Administration-backed lending draws most of the policy attention, but the Veterans Affairs mortgage program now funds a larger share of its purchase loans with no down payment at all. According to a report Realtor.com Economics released November 10, 75.7% of VA loan home sales over the past year carried a zero-down mortgage, and 86.1% put down less than 10%.

Key Takeaways 75.7% of VA loan home sales over the past year closed with a zero-down mortgage, and 86.1% carried a down payment below 10%. The average VA down payment was 4.3% over the same period, versus 19.1% on conforming loans, which do not offer a 0% option. On a $419,250 median home, a conforming buyer at 10% down pa…

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