View of two home buyers in front of their new home, which is a two story gray block construction home with 2 car garage and driveway.

Common VA Loan Misperception

March 11, 2026•1 min read

I love working with Veterans. As a VA Loan expert, I see the same misperception come up again and again.

➡️Most veterans believe that they can buy a home with NO money down.

➡️ TRUE you do not need a down payment.

👉 BUT there are always closing costs associated with the transaction. There is the VA Funding Fee. Most of the time that ends up being around 4% of the overall transaction.

➡️ The only time I’ve seen the VA Funding Fee waived is if the veteran is 100% disabled.

I am over the moon happy about this closing for Norris and his wife Adri. Due to market conditions and a lot of negotiations they ended up with:

✅ NO closing costs
✅ NO money out
✅ A small check to the buyers at closing

The seller covered so many of the negotiated costs, that there was actually a small amount of cash left turned over to the buyers.

The above scenario almost NEVER happens! We gave a lot of thanks and praise for this gift!!!

I’m here to help YOU with your real estate goals & dreams! Selling, buying or investing, let’s get this done for you. Finding opportunities and negotiating for your interests is ALWAYS my goal in any transaction! Call me today.

🔸Laura Marie, REALTOR®
Helping you strategically Buy, Sell & Invest
Laura Marie Group @ eXp Realty
YourHomeSoldFL.com
(727) 350-7003

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