USAVA Lending is a VA Approved Lender | NMLS ID 966439 | MB 0921703

Loan Limits

Loan limits are set amounts a qualified Veteran with full entitlement may borrow without a down payment. The VA does have a set limited liability amount which affects the amount of money it lends per person. The basic entitlement for each eligible veteran is $36,000 and USA Home Loans will lend 4 times this amount with no down payment as long as the Veteran receives an approved certificate of eligibility (COE). The Veteran also needs to qualify with regards to income and credit. The property must be appraised by an approved, licensed VA appraiser and the appraised value must be equal to or greater than the sales price of the home.

Do I Qualify?

You may  qualify for a VA Home Loan if you meet one or more of the following criteria:

Funding Fees

The VA Funding Fee goes directly to the Department of Veteran Affairs. This fee ensures the program keeps running for future generations of military homebuyers by removing any additional burdens off tax payers and veterans. The fee varies depending on the borrower’s circumstances and does not apply to veterans with service-connected disabilities.

VA borrowers can roll the funding fee into their overall loan amount. The VA also limits closing costs for veterans and allows sellers to pay most or all of those expenses. Many of our borrowers purchase a home with no money due at closing.

For more information or to have your Certificate of Eligibility processed, please contact our loan processing department at 888-842-0490 or email us at

Talk to one of our VA Loan Professionals Today!


No Down Payment | No Mortgage Insurance | Low Rates

USAVA Lending is an approved lender. Not endorsed or sponsored by the Dept. of Veterans Affairs or any government agency.