Question 1

Can I really buy a $750,000 home in Dublin with zero down as a veteran?

Accepted Answer

Yes. VA loans require zero down payment. On a $750,000 purchase, you pay a 2.15% funding fee ($16,125) instead of a down payment. If you're rated 10% or higher for VA disability, the fee is waived. You need a Certificate of Eligibility and 740+ FICO.

Question 2

What's my monthly payment on a $750,000 VA loan at 5.5%?

Accepted Answer

Principal and interest run $4,258 per month at 5.5% (APR 5.518%) on a 30-year fixed. That's before property taxes, insurance, and HOA if applicable. The rate shown is as of April 14, 2026, with 0.197 points ($1,478 upfront).

Question 3

How does VA's funding fee compare to conventional PMI?

Accepted Answer

VA's 2.15% funding fee ($16,125 on $750K) is a one-time cost. Conventional PMI at less than 20% down costs 0.5–1.5% annually forever unless you refinance. Over 10 years, PMI easily exceeds the VA funding fee. VA wins on lifetime cost.

Question 4

What credit score do I need to qualify for a VA loan in Dublin?

Accepted Answer

Most lenders require 740+ FICO for a $750,000 VA loan in Dublin. Some brokers go down to 680 with compensating factors, but 740 is the standard. Your debt-to-income ratio typically needs to stay under 41%.

Question 5

Is the VA funding fee tax-deductible?

Accepted Answer

No. The VA funding fee is not tax-deductible. It's a one-time mortgage insurance replacement, not a loan origination fee. You can roll it into the loan amount, which is what most borrowers do.

VA 30-Year Fixed in Dublin: Zero Down, $750K Purchase at 5.5%