VA loan
A government-backed loan for eligible veterans and active service members, guaranteed by the Department of Veterans Affairs. Often 0% down and no mortgage insurance.
Your Room opens on showings and offers, with everything before the listing already ticked.
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See how it worksWhere this comes up in a sale, and what follows
- Clear title (comes before)
Part 1 of 4
Why a seller cares
A VA buyer is a veteran or service member with a loan backed by the government, often with nothing down. The appraisal comes with minimum property standards, and the buyer cannot pay certain fees, which sometimes land with the seller.
Part 2 of 4
A simple example
A VA buyer offers $300,000 with zero down. The VA appraiser flags a missing handrail and a window with a broken seal.
| What comes up | What follows |
|---|---|
| Property condition items | Fixed before closing, usually by the seller |
| Fees the VA does not let the buyer pay | Paid by the lender or the seller, as the contract says |
| Value under the price | The buyer can walk, or the price is renegotiated |
VA loans are reliable and a little particular about the house.
Part 3 of 4
What people get wrong
That VA buyers are hard to close. VA loans close at the same rate as conventional ones; what is different is a short list of property and fee rules.
Part 4 of 4 · where to read next
Where it appears in the sale
What a definition is, and what it isn't
Keighbor is a software company, not a law firm, brokerage, or tax adviser. This is general information, not legal, tax, financial, or real estate advice about your sale. Your situation may differ. Before acting on a contract, disclosure, title, tax, or pricing question, ask an appropriately licensed professional in your state.
Written and researched by Keighbor Research · drawn from the reference glossary · how we research and check what we publish
In your Room, this word explains itself where it appears.
Your Room defines va loan in the step you meet it in, beside the document or the date it belongs to. Free to set up, with an agent or on your own.
Organize my saleFree to set up. Pay once when you list: $89 or $189. 7-day refund.