Last updated: November 2, 2025

VA One-Time Close Construction Loan (2025 Guide)

If you’ve earned VA loan benefits and want to build a custom home instead of buying an existing one, the VA One-Time Close Construction Loan makes it possible. Also known as a VA construction-to-permanent or single-close construction loan, this program lets eligible veterans, active-duty service members, and surviving spouses finance the land, construction, and permanent mortgage in one loan—with no down payment required. Keep Reading...