VA Loan Eligibility Checker 2026
Check your $0 down payment status
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Likely Eligible for $0 Down
Based on your inputs, you meet the service requirements for a VA Home Loan.
Already have debt? Utilize VA benefits to consolidate »Uncertain Eligibility
You may not meet the standard service length requirements, or your discharge status requires exception. You will likely need a Certificate of Eligibility (COE) to prove specific exceptions.
Likely Not Eligible
Dishonorable discharges typically disqualify service members from VA benefits. However, you can apply for a Discharge Upgrade if you believe this is an error.
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VA Loan Requirements
- Credit Score: While the VA doesn't set a minimum, most lenders look for 620+.
- Income: You must have steady income to cover monthly mortgage payments.
- Residency: You must intend to live in the home as your primary residence.
- Certificate of Eligibility (COE): The official document proving your service history.
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Service Requirements by Era
- Current Active Duty: 90 continuous days of service.
- Veterans (Wartime): 90 days of active service during WWII, Korea, Vietnam, or Gulf War.
- Veterans (Peacetime): 181 continuous days of active service.
- National Guard / Reserves: 6 years service OR 90 days active duty service (Title 32/Title 10).