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VA Loans

Zero-down VA financing, funding fees, seller concessions, and Utah-specific guidance for veteran homebuyers.

A U.S. veteran couple standing warmly in front of a modest single-family Utah home at golden hour with a small American flag on the porch and the Wasatch foothills in the background.

Can You Buy a Home in Utah With Zero Down Using a VA Loan?

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.