From the VeteranPCS Team
Updated March 2026
One of the biggest advantages of a VA Loan is the ability to buy a home with zero down payment. But just because you can skip the down payment does not mean you always should. If you are PCSing to Oklahoma City or already stationed at Tinker Air Force Base, it is worth understanding when putting money down makes sense and when there are smarter ways to use your cash.
The Zero Down Payment Advantage
The VA Loan program is one of the most powerful homebuying benefits available to service members, veterans, and eligible surviving spouses. Unlike conventional loans that typically require 3 to 20 percent down, VA Loans allow you to finance 100 percent of the home's value. That means you can keep more cash in your pocket when you move, which is especially valuable during an expensive PCS.
In a market like Oklahoma City, where the median home price remains below the national average, the zero down payment benefit stretches even further. Your Basic Allowance for Housing (BAH) often covers a significant portion of your monthly mortgage payment, making homeownership very achievable without a large upfront investment.
When Putting Money Down Could Make Sense
Even though you do not have to, there are a few situations where a down payment on a VA Loan might work in your favor.
Lowering your monthly payment. A down payment reduces the amount you borrow, which means a smaller monthly mortgage payment. If you are trying to keep your housing costs well below your BAH to save the difference, this can be a smart move.
Reducing or eliminating the VA Funding Fee. Most VA Loan borrowers pay a one-time VA Funding Fee, which can be rolled into the loan. Putting at least 5 percent down lowers the funding fee, and putting 10 percent or more lowers it even further. Veterans with a service-connected disability rating are exempt from the funding fee entirely.
Making a stronger offer in a competitive market. In some situations, a down payment can signal to sellers that you are a serious and financially strong buyer. This can matter in a competitive bidding situation, though Oklahoma City's market is generally more balanced than many other metro areas.
For more on how VA Loans work, check out our guide on VA Loan assumptions and how military families can save thousands.
