1019 ET - 根据Realtor.com和全国房地产经纪人协会的数据，零首付的退伍军人事务部（VA）住房贷款可以帮助首次购房的退伍军人比采用传统贷款的购房者提前4.4年入住房屋。全国房地产经纪人协会发现，74%的首次VA贷款用户选择了0%首付，而首次购买传统房屋的买家的中位数首付为12%。使用VA贷款的借款人仅需要支付标准的成交费用，这两种贷款类型的费用相似。在一栋典型售价为430,000美元的房屋中，选择传统贷款的买家需提前支付约51,600美元，而VA贷款的买家则不需要这笔费用。对于年收入中位数为78,700美元的首次购房者而言，积攒这笔金额大约需要4.4年。简而言之，零首付的VA贷款使购房者能够更早进入市场并开始积累资产。
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