VA Home Loans in Dallas–Fort Worth
The strongest financing available to anyone who has earned it — and the program most often left on the table because a buyer's agent didn't understand how to write the offer.
| At a glance | Detail |
|---|---|
| Minimum down payment | None, up to your entitlement |
| Monthly mortgage insurance | None — the funding fee replaces it |
| Funding fee | 2.15% first use with zero down; reduced with a down payment or subsequent use; waived with a qualifying service-connected disability rating |
| Seller/interested-party concessions | 4% of the value, plus customary closing costs paid on the buyer's behalf |
The offer is where VA buyers lose
A VA offer is not weaker than a conventional offer — but it is often presented as if it were, by agents who cannot answer a listing agent's questions about appraisal, repairs, or the escape clause. Half of representing a VA buyer well is knowing the financing cold. That is the part I do not have to outsource.
Funding fee exemption
If you have a service-connected disability rating, the funding fee is waived entirely. On a $400,000 purchase with zero down, that is roughly $8,600 that never enters the loan. If you have a rating and were not told this, you were not being advised.
Zero down is not the same as zero cash
You still have closing costs, prepaids, and escrow funding. VA's concession rules are unusually generous here, and this is exactly where a structured contribution does its best work — a VA buyer can often get to a genuinely small number at the closing table.
What this program looks like on your numbers
Select VA in the calculator below to see the payment, the mortgage insurance treatment, and where the contribution ceiling binds.
Where should the benefit go?
Assumptions — edit any of these
On Auto, conventional mortgage insurance is estimated
from a built-in premium grid by credit range and loan-to-value, and FHA uses the factors above. Those are
illustrative approximations — the live rate card is in src/data/mi-rates.js. Override any
single file with your actual quote using the
% / yr or $ / mo control. Credit-tier rate adjustments and interested-party
contribution ceilings are applied automatically from the loan program, credit range, and loan-to-value.
Interest rate and buydown cost come from the loaded wholesale rate sheet: the base price at each rate for
your lock period, plus the loan-level price adjustments for credit, LTV, occupancy and loan size. The rate
shown is par — the cheapest rate that costs you nothing — and a buydown walks down that same
ladder for whatever the benefit actually pays for. Commission is negotiable and not set by law; the figures
above are placeholders for illustration, not an offer.
Tell me your payment. I’ll build the plan around it.
Send the monthly number you’re comfortable with and I’ll come back with a purchase range, a loan program comparison, and what the BuyBorrow Advantage™ benefit looks like on your file.