Which homes may work?
VA purchase financing can cover eligible one-to-four-unit homes you will occupy, condos in approved projects, and qualifying manufactured or new-construction homes. Not every lender offers every option.
Occupancy is a real requirement
A VA purchase is for your residence. Deployment, retirement timing and spouse occupancy can require a more detailed review. Confirm your plan with the lender before signing; do not rely on an assumed universal occupancy exception.
An appraisal is not an inspection
The VA appraisal considers value and minimum property requirements. Hire an independent home inspector to understand the home’s condition. These reviews serve different purposes.
If value or repairs become an issue
Discuss required repairs, negotiation or a request to review value with your team. The VA escape clause protects against being forced to complete a purchase above VA’s established reasonable value. Paying a gap is a separate decision, not an automatic requirement.
Read the official guidance
VA • Purchase loans ↗VA • Homebuying process ↗Sources reviewed October 25, 2026. Requirements can change. Ask Sasha to help apply the information to your situation.