Question 1

Can I use a VA loan to buy in Needles with no money down?

Accepted Answer

Yes. Eligible veterans can purchase with zero down payment. You still need to cover closing costs unless the seller agrees to concessions.

Question 2

Does the VA fund fee apply to every veteran?

Accepted Answer

No. Veterans with service-connected disabilities rated 10% or higher are exempt. Confirm your status with your lender before closing.

Question 3

Will older Needles homes pass a VA appraisal?

Accepted Answer

Possibly, but VA appraisers check for safety and habitability. Older desert homes often need repairs to roof, HVAC, or electrical before the VA will approve them.

Question 4

How do VA rates compare to conventional rates in March 2026?

Accepted Answer

VA rates typically run below conventional rates for the same credit profile. Rates vary by borrower profile and market conditions.

Question 5

Is Needles eligible for USDA loans too?

Accepted Answer

Needles may fall within USDA rural eligibility zones. USDA has income limits though — VA has none, making VA the stronger choice for many veterans here.

VA Loans in Needles, CA — Zero Down for Veterans