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VA loans require no down payment and no PMI for eligible veterans, active duty, and surviving spouses. VA funding fee: 2.15% for first use with 0% down; reduced for 5%+ down or disabled veterans (fee waived). VA loan limits were eliminated in 2020 for eligible borrowers with full entitlement. VA loans have consistently lower default rates, leading to favorable market rates.
Principal and interest only—no taxes, insurance, PMI, or HOA. Rates and offers vary; verify with a lender.