A path with no down payment
Qualified buyers may purchase without a down payment when entitlement, lender requirements, and the appraisal support the transaction. An appraisal gap or limited remaining entitlement can mean cash is needed.
Veterans & military homebuyers
You served. Know your homebuying options.
Eligible Veterans may buy a home with $0 down through a VA-backed home loan.
A down payment does not have to be the barrier you expect. URT Holdings helps Veterans and military families explore homes and communities across North and East Texas, including Denton and the Dallas-Fort Worth area.
No-down-payment financing depends on your VA eligibility, available entitlement, lender approval, and the property's appraised value. Closing costs and other expenses may still apply.
Help more Veterans hear about this benefit
Realtor.com's Mission Zero 2026 campaign reports that only 3 in 10 Veterans know about zero-down home loans. We want to help close that awareness gap with practical information and a place to start.
Whether you are ready to move or simply learning what may be available, you deserve clear answers without pressure. Share this resource with a Veteran, service member, or military family who may benefit.
What a VA-backed purchase loan may offer
No monthly mortgage insurance
VA-backed loans do not require private mortgage insurance (PMI). You still repay the loan with interest, and must budget for taxes, homeowners insurance, and any other applicable expenses.
Not just for your first home
You do not have to be a first-time homebuyer. It may be possible to use the benefit again, depending on your entitlement and circumstances. Ask your lender to review your Certificate of Eligibility.
Learn more directly from VA: VA-backed purchase loans.
$0 down does not mean $0 cost
You may still need funds for closing costs, prepaid taxes and insurance, inspections, and other purchase expenses. A VA funding fee may also apply, although some borrowers qualify for an exemption.
The funding fee can generally be financed into a VA purchase loan. Other closing costs generally cannot. Seller credits may help if negotiated and permitted, but they are not guaranteed.
Ask your lender for a Loan Estimate and an explanation of your expected cash to close. Review VA's funding fee and closing-cost guidance before deciding.
Your next steps, at your pace
- Check your eligibility. Veterans, active-duty service members, qualifying National Guard and Reserve members, and certain surviving spouses may qualify. Review VA's eligibility requirements and how to request a Certificate of Eligibility (COE). A COE confirms benefit eligibility; it is not loan approval.
- Speak with a lender about VA financing. Compare lenders, discuss credit and income requirements, and review your available entitlement. Ask about your budget, estimated payment, fees, and cash to close.
- Tell us where you want to live. URT can help you explore communities, tour properties, and discuss an offer. Let us know your preferred city or county and that you are exploring VA financing.
- Review the home and the purchase process. Coordinate with your lender and agent on the VA appraisal, property requirements, inspections, and closing. An appraisal is not a substitute for a home inspection.
Listings are not pre-approved for VA financing. Property and loan eligibility must be reviewed with your lender.
Common questions
Does every Veteran qualify automatically?
No. Service history and other VA requirements determine benefit eligibility. Your lender also reviews credit, income, and other loan requirements. The home generally must be your primary residence. Start with VA's eligibility guidance and a lender review.
Can I use a VA loan if I have owned a home before?
Yes, prior homeownership does not by itself disqualify you. If you have used a VA loan before, ask your lender to review remaining or restored entitlement. See VA's home loan entitlement guidance.
Is a down payment ever required?
It can be. Examples include a purchase price above the appraised value or insufficient remaining entitlement for the loan. Your lender can explain what applies to your purchase. You can also choose to make a down payment.
Does URT approve VA loans or determine my benefits?
No. URT Holdings provides real estate services, not loan approval or a VA eligibility determination. VA and your lender determine the applicable benefit and financing requirements. We help with the real estate side of your home search and purchase.
A conversation is a good place to start
Thank you for your service. Whether you are buying your first home, moving closer to family, or planning your next chapter, we are here to listen and help you explore your options.
Please do not send Social Security numbers, military records, or financial documents through our general contact form. Discuss secure document delivery directly with VA or your lender.
Help spread the word
Share this page so someone who served can take a closer look at their homebuying benefit.
Educational information, not a commitment to lend or a guarantee of eligibility, approval, rates, or savings. Requirements and costs depend on your circumstances and may change. Sources: Realtor.com's Mission Zero 2026 campaign and the VA resources linked above. Mission Zero and its graphic belong to Realtor.com; this URT resource is not a VA or Realtor.com endorsement.