Updated November 11, 2026
Short answer
Usually no. VA says a VA-backed purchase loan often requires no down payment as long as the sales price isn't higher than the home's appraised value.
What VA says
On its purchase loan page, VA lists "no down payment as long as the sales price isn't higher than the home's appraised value" as a key benefit. Your lender still has to approve your credit and income (VA.gov).
When you might put money down
If you don't have full entitlement, VA explains that most lenders want your entitlement, a down payment, or both to cover at least 25% of the loan amount. A down payment can also let you borrow more than the county loan limit (VA.gov).
Talk it through
Buying in Tampa Bay? Krystal Crichlow with eXp Realty works with VA buyers. Anywhere else in the U.S., she can refer you to a VA-experienced local agent at no cost to you. Use the form to tell us where and when.
Disclosure: TheBayPros' owner is related to Krystal Crichlow (eXp Realty), who may be among the agents introduced to you. You can choose any agent you like. We are not a lender and do not make loans. General information from VA.gov; rules change, so confirm with VA and your lender.