Start with eligibility and occupancy
A VA-backed purchase loan requires a Certificate of Eligibility, lender qualification and intended occupancy. A COE alone is not a loan approval. Eligible borrowers may buy with no down payment, subject to the transaction and lender requirements. Review any prior VA use with the team.
No down payment does not mean no costs
VA loans do not require monthly mortgage insurance, but closing costs and a funding fee may apply unless exempt. Ask for a breakdown of the cash required and any financed fees. Keep taxes, homeowners insurance and applicable community charges in your monthly budget.
Compare two homes using the same checklist
When considering homes across Pasco, put the listing, property condition, estimated taxes, insurance and association information side by side. Ask how appraisal and any needed repairs affect the timeline. Discuss your remaining entitlement if you still own a home with a VA loan rather than assuming it is available in full.
Sources & next steps
Sources checked October 1, 2026. Confirm current terms, property eligibility and program availability before making a financing decision. This is educational information, not a loan approval or commitment to lend.
Estimate your complete housing payment · Read the loan-program library