Why VA Loan Offers Often Come With Low Earnest Money

Why VA Loan Offers Often Come With Low Earnest Money

Listing Agents—Don’t Be Surprised by Low Earnest Money on VA Offers 👀 If you're reviewing an offer with VA loan financing, here’s what you need to know upfront:
📉 That earnest money deposit might be low—sometimes just $500 to $1,000. And that’s normal. Why? Because VA buyers are typically putting 0% down.

Here’s a quick breakdown:
✅ 0% down = lighter earnest money
✅ Primary residence only
✅ Lenient credit score requirements
✅ Up to 4% in seller concessions—regardless of down payment
✅ Great financing tool, just different structure

This video is a must-watch for agents and sellers to understand how VA loans affect offers—and why they shouldn't be underestimated.

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