How much of a down payment do veterans need when they go to buy a house? Today I’ll discuss how down payments interact with county loan limits.


If you’re a veteran who wants to buy a house that exceeds the county loan limit, how much would you need to put down? As you probably know, the VA does allow for 100% financing, but if you exceed the loan limit for your particular county, then you do have to put money down on the amount by which you exceeded the limit.

For example, if your county limit is $484,350 and you want to borrow $584,350 to buy a house, the VA rule says that you should put down 25% of that overage. In my example, that means you’d put down $25,000, which is still a very good deal.

If you have any questions about this fantastic program, don’t hesitate to give us a call or send an email. I’d be happy to hear from you.