Why it is often the strongest option
For eligible service members, veterans, and certain surviving spouses, the VA loan combines no required down payment with no monthly mortgage insurance, which lowers the payment meaningfully compared with other low down payment programs.
Rates are typically competitive, and the entitlement can be restored and used again after a sale or, in some cases, used for a second property.
Plan for these two items
The funding fee varies by service category, down payment, and whether this is a first use. It can be financed, and it is waived for veterans receiving compensation for a service connected disability.
You will need a certificate of eligibility. It is usually obtained quickly, and starting it early keeps it from becoming the item everyone waits on.