VA Loans
Zero-down VA financing, funding fees, seller concessions, and Utah-specific guidance for veteran homebuyers.
The VA home loan is one of the strongest mortgage benefits ever created for service members and veterans. Eligible Utah buyers can finance up to 100% of a home's reasonable value, but earnest money, inspections, appraisal, prepaid taxes and insurance, and closing costs not covered by seller or lender credits still require cash. This guide walks through what zero down really means, the funding fee and its exemptions, seller concessions, and when a down payment can still make sense.
The VA home loan is the strongest financing benefit available to eligible Utah veterans, service members, and qualifying surviving spouses: no required down payment within entitlement, no monthly mortgage insurance, and a reusable lifetime benefit. This guide covers how the guaranty works, who qualifies, what a Utah VA purchase actually costs, funding-fee exemptions, appraisal and property requirements, entitlement reuse and assumptions, and the Utah-specific details that decide real transactions.