VA one-time close construction
One VA Benefit. More Ways to Use It.
The VA One-Time Close Construction loan lets you finance the land, construction, and permanent mortgage in a single loan — one streamlined closing from construction to homeownership.
What to know
Make the next decision with the whole picture.
Combine land purchase, construction, and permanent financing into one loan with one closing.
Use your VA entitlement to build a primary residence with zero down for eligible borrowers.
Avoid the double closing costs and rate-lock risk of a traditional construction-to-perm structure.
Work with a builder and a VA-approved construction process from groundbreaking to move-in.
Loan approval depends on credit, income, property, occupancy, entitlement, appraisal, builder qualification, and underwriting. Construction terms and third-party costs may apply. Not every property or builder qualifies for VA construction financing.
Your Next MoveStarts Here.
Get a clear answer on your options — no cost, no obligation.