Does a VA loan in Washington require a down payment?

No. VA loans allow 100% financing with zero down payment for eligible veterans and service members — one of the only loan programs that still does this. There's no monthly mortgage insurance either. The VA Funding Fee (typically 2.15% for first-time use with zero down) applies in most cases, but it can be financed into the loan. Veterans with a VA disability rating of 10% or higher are exempt from the Funding Fee entirely.