Your VA loan is the most powerful financing tool in America: no down payment, no PMI, and no funding fee if you are rated 10% or higher. Pair it with the right agent and the seller can cover your closing costs, wipe out your debt, and buy down your rate — so you walk into an appreciating asset with nothing out of pocket.
*Funding fee waived for veterans rated 10%+ receiving VA compensation.
The seller can pay your allowable closing costs with no percentage ceiling. These are the routine costs of getting the loan done.
On top of closing costs, the seller can hand you up to 4% of the home's reasonable value in concessions — money that goes to work for you.
Estimates use a ~3% closing cost assumption and a 4% concession cap on price as a proxy for the VA Notice of Value. Funding fee estimated on price for first/subsequent use at 2026 rates. Not a loan offer or commitment to lend.
Finance up to 100% of the home's reasonable value. No other major loan lets a borrower buy with nothing down without piling on insurance.
Conventional buyers under 20% down pay private mortgage insurance every month. VA buyers never do — that is hundreds of dollars saved monthly.
Because the VA backs the loan, lenders price VA mortgages below conventional rates for the same borrower. Less risk to them, lower payment for you.
Your entitlement is not one-and-done. Sell, pay off, or restore it and use the benefit again — including more than one VA loan at a time in many cases.
A qualified buyer can take over your low VA rate when you sell. In a high-rate market, an assumable 3% loan is a powerful selling point that lifts your home's value.
Rated 10% or higher and receiving compensation? The funding fee disappears — saving roughly $4,300 to $10,000. One more reason to maximize your rating first.
A 10% rating or higher wipes out the VA funding fee entirely — thousands of dollars before you even shop. This is exactly what we do at VA Ratings Prime. Get the rating right, then buy.
Your Certificate of Eligibility proves your benefit. A strong pre-approval from a lender who actually closes VA loans makes your offer credible — and makes sellers comfortable saying yes to concessions.
This is the whole game. An agent who understands the two-bucket rule structures your offer so the seller covers costs and maxes concessions. The wrong agent leaves tens of thousands on the table. We match you with the right one.
Bucket 1 has no cap. Your agent writes the offer so the seller pays your allowable closing costs outright — appraisal, title, lender fees, recording. That alone can erase most of your cash to close.
Bucket 2 is where wealth gets built. Specify a dollar amount, not a percentage, and direct it: fund your escrows, buy your rate down, and pay off a high-interest debt. Smart sellers say yes to move the property.
You bring little to nothing. You own an appreciating asset, your payment is bought down, and a debt is gone. That is the difference between buying a house and building net worth.
A service-connected rating of 10% or higher does two things on a home purchase. First, it eliminates the VA funding fee — an instant savings of roughly $4,300 to $10,000. Second, many states grant property tax exemptions that scale with your rating, with full exemptions common at 100%.
That is why the smartest move before you buy is making sure your rating is maximized. It is the single highest-leverage step in this entire playbook — and it is exactly what we do.
Maximize My Rating First →Typical funding fee eliminated at a 10%+ rating on a standard purchase.
Property tax exemption available in many states at higher ratings — check your state's rules on our State Resources page.
A VA-savvy agent separates closing costs from concessions so you capture both buckets. The average agent lumps them together and caps your help at 4% by mistake.
Specifying dollar amounts, pairing a clean pre-approval, and timing the ask correctly is the difference between a seller saying yes and walking away. Experience writes the winning offer.
VA appraisals and Minimum Property Requirements trip up inexperienced agents. Ours know how to handle a low Notice of Value and negotiate required repairs without killing your deal.
We maintain a network of hand-vetted, VA-fluent real estate agents across the country — the ones who understand the two-bucket strategy and fight to get the seller to fund your close. Tell us your state and target market, and we'll connect you with the right agent at no cost to you.
Request Your Agent Match →Whether you need your rating maximized before you buy or an elite VA agent in your market, start with one free call. We'll map the whole play.
305-897-2805Last updated: February 25, 2026
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Last updated: February 25, 2026
1. Nature of Services. VA Ratings Prime provides general education, coaching, and consulting. We are NOT a law firm, VA-accredited claims agent, attorney, VSO, mortgage lender, or real estate brokerage. We do not file, submit, or prosecute claims on your behalf.
2. No Guarantee of Specific Outcomes. We cannot guarantee any specific rating, compensation amount, loan approval, or home purchase outcome. Our satisfaction guarantee is defined exclusively in your signed service agreement.
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9. Free Alternatives. Free assistance available from VSOs (DAV, VFW, American Legion), accredited agents, and attorneys at va.gov/ogc/apps/accreditation.
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11. Contact. info@varatingsprime.com or 305-897-2805.