Think You Need a Down Payment to Buy a Home with VA Benefits? Think Again.

RJ Andrews
Aug 6, 2025
2 min read

Wait... you can buy a brand-new construction home in Houston with $0 down using your VA loan?! Yep — and most people don’t even know it.

The Backstory (aka: Why This Matters)

A few weeks ago, I met a veteran and his wife who had been renting for five years straight. They were convinced they needed at least $20,000 saved up before they could even think about buying. They’d been told things like:

“New construction is too expensive.”
“VA loans don’t work with builders.”
“You’ll still need a big chunk for closing costs.”

None of that was true. We sat down, ran the numbers, and guess what? They moved into a brand-new, energy-efficient home in Richmond with ZERO money out of pocket.

No down payment. No closing costs. No stress. Just keys, pride, and one very happy family.

Here’s the Truth About VA Loans + New Construction

If you’re eligible for a VA loan, you’ve got one of the most powerful tools in real estate. Here’s what it can do for you:

✅ $0 Down Payment. That’s right. VA loans don’t require a down payment, which means you can buy a home without draining your savings.

✅ No Private Mortgage Insurance (PMI). Unlike FHA or conventional loans, you don’t have to pay PMI—saving you hundreds every month.

✅ Flexible Credit Guidelines. You don’t need perfect credit to qualify. Many VA-approved lenders work with scores as low as 620.

✅ Approved for New Construction. YES — you can use your VA loan to buy a brand-new construction home, including homes that are already built and move-in ready.

✅ Builder Incentives + VA = Big Wins. Many builders in Houston offer free upgrades, closing cost assistance, or interest rate buy-downs. Combine that with your VA benefits? Now we’re talking zero out-of-pocket and major savings.

Who Are We (and How Can We Help)

We're The Andrews Group, your favorite Houston Realtors® and expert new construction matchmakers. We help buyers — especially veterans, military families, and first-time buyers — find the perfect new home in Cypress, Richmond, Spring, Katy, and all across the greater Houston area.

Our job?

Connect you with VA-approved lenders
Match you with builders offering VA-friendly inventory + incentives
Negotiate extras, upgrades, and closing cost credits
Walk you through every step so you can buy with confidence (and no surprises)

Ready to Buy a Home with $0 Down?

If you’ve got VA eligibility and want to stop wasting money on rent, I've got something for you:

📩 DM me “VA HOME” and I’ll send you my free VA Buyer Starter Kit. It’s a no-fluff, step-by-step guide that shows you exactly how to use your benefits to get into a new construction home — faster and easier than you thought possible.

✅ No pressure

✅ No B.S.

✅ Just real help, real savings, and real results

You served us. Now let us serve you. Let’s get you home. 🏡