VA Loan Eligibility Checker 2026
Check your $0 down payment status based on your service history and discharge status.
Likely Eligible for $0 Down
Based on your inputs, you meet the service requirements for a VA Home Loan.
Next: Calculate DTI Ratio →Exception Required
You may need a COE exception or specific review due to your service length or discharge status.
Next: Explore Rent vs Buy Options →Likely Not Eligible
Based on standard requirements, you may not qualify. consider a Discharge Upgrade if applicable.
Next: Improve Your Credit Profile →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.
Sources: VA.gov, 38 U.S.C. § 3702, VA Circular 26-21-11.
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).
Frequently Asked Questions
What are the minimum service requirements for a VA loan?
Generally, you must have served 90 consecutive days during wartime, 181 days during peacetime, or 6 creditable years in the National Guard or Reserves. Active duty members are eligible after 90 days.
Can I get a VA loan with a "General" discharge?
Yes. A General Discharge (Under Honorable Conditions) typically meets VA requirements. Dishonorable discharges disqualify you, while 'Other Than Honorable' requires a case-by-case review.
Do National Guard and Reserve members qualify?
Yes, after 6 years of creditable service, or sooner (90 days) if activated under Title 10 orders.
Can surviving spouses use the VA loan benefit?
Yes. Unmarried surviving spouses of veterans who died in service or from service-connected disabilities are eligible. Remarrying after age 57 typically preserves this benefit.
Does the VA require a minimum credit score?
The VA has no minimum, but private lenders typically require a score of 620+.
Do I need my Certificate of Eligibility (COE) to start?
No. Lenders can usually pull your COE instantly through the VA's automated system when you apply. You don't need the paperwork in hand to get pre-approved.