Buy It. Modernize It. Make It Yours.
The right home may need a little vision. A VA renovation loan lets eligible buyers combine a home purchase and approved improvements into one mortgage, with 0% down available.
Create the home you want while putting your earned VA benefits to work.
0% Down
Purchase and renovations together
580+ FICO
Options available with manual underwriting
No Preset Cap
Flexible renovation budgets
Wide Range
Finance approved improvements
More Possibilities for Your Next Home
VA renovation financing is available starting at 580 FICO, subject to lender approval and program requirements. Manual underwriting is available for eligible borrowers who meet applicable credit, income, residual income, and documentation requirements.
Apply Now →580+ FICO
Renovation options starting at 580 FICO.
Manual Underwriting
Available for eligible borrowers who meet applicable requirements.
Complete Financial Review
We consider credit, income, residual income, and documentation.
Remodel Your Dream Home With 0% Down
Finance your purchase and eligible renovations together without a required down payment when you have sufficient VA entitlement and meet appraisal and underwriting requirements.
Modernize an outdated home and create a space that fits your family, style, and goals.
Explore Your Options →Flexible Renovation Budgets
Options available without a preset renovation budget cap.
Your approved renovation amount depends on your qualifications, the completed appraised value, the proposed work, and lender requirements.
Eligible Home Improvements
A wide range of approved improvements may be financed, including:
This program excludes structural repairs, additions that increase square footage, new construction, and tear downs.
Seller Credits Can Help
Reduce Upfront Costs
VA does not set a percentage cap on seller credits toward allowable closing costs. Credits cannot exceed eligible actual costs.
Separate seller concessions, such as certain prepaid expenses or debt payoff, are limited to 4% of the home's VA reasonable value.
Already Have a VA Loan?
You May Still Qualify.
You may be able to use remaining bonus entitlement to purchase and renovate another home, even while keeping an existing VA financed property.
Your new home must meet primary residence requirements. We will review your Certificate of Eligibility and remaining entitlement to determine whether a down payment is needed.
See the Potential. Create Your Dream Home.
An outdated kitchen or worn finishes do not have to end your home search. VA renovation financing can give you an incredible opportunity to modernize a home and make it your own.
All loans are subject to credit and underwriting approval. Program availability and renovation requirements vary by lender. Sufficient entitlement and appraised value are required for 0% down. Closing costs and a VA funding fee may apply unless exempt.