VA Loan Requirements: What Do Veterans Actually Need to Qualify?

What are the actual VA loan requirements for veterans?

Quick Answer: VA loan requirements are more flexible than conventional financing: no minimum down payment, no VA-mandated minimum credit score, residual income method instead of strict DTI limits, and forgiving underwriting for veterans. Core requirements include valid Certificate of Eligibility (COE), sufficient residual income for family size, acceptable credit history (lenders typically want 620+), and property meeting VA minimum property requirements.[1]

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In my 20+ years helping hundreds of military families navigate VA loan requirements nationwide, I've worked as a Certified Financial Coach understanding how VA financing fits into veterans' wealth strategies. I'm Weldon Hobbs, and as a USAFA graduate, I've seen too many veterans assume they don't qualify without actually checking VA's flexible requirements.