Key takeawayMore lenders’ overlays clear at 600 than at 580, you can compare instead of taking the only yes.
What concretely changes at 600
- More lenders’ overlays clear at 600 than at 580, you can compare instead of taking the only yes.
- Residual income remains the binding constraint more often than score at this band.
- Funding fee and $0-down benefit are identical to higher bands, VA pricing is score-blind by design.
- Refinance via IRRRL later does not require a minimum score with many lenders, a 600 purchase can streamline-refi later.
Requirements at this band
| Lender minimums | 600 clears most overlays |
|---|---|
| Down payment | 0% available |
| Funding fee | 2.15% first use (0% down) |
| Residual income | VA tables still strictly applied |
Figures are typical market ranges as of October 2026. Actual terms depend on the lender, your credit, the property and the program, and are confirmed on your Loan Estimate or term sheet.
Smart moves at 600
- Compare at least two VA lenders, overlay differences at 600 are still real.
- Keep DTI comfortable; residual income is the VA’s real gatekeeper.
- Plan the IRRRL path: today’s purchase can become tomorrow’s streamline refi.
FAQ
Do I need a down payment with 600 on VA?
No, 0% down is available at any score where the lender approves you. The funding fee can be financed.
Will my rate be worse at 600?
Somewhat, lenders price risk into the rate even though VA/FF fees are score-blind. The gap to 700+ pricing is smaller than conventional’s LLPA swings.
Can I refinance later with a low score?
VA IRRRL (streamline) with many lenders requires no minimum score and no appraisal, it is one of the most forgiving refis in lending.