The best first step is to get a quick VA loan pre-qualification. I work with a direct lender that can close VA loans in 30 days, so you'd be able to compete with buyers that have a 20% down payment. I can also help you with your monthly payment for each property you're interested in, so you have a ball park idea before you write any offers, so you don't go in not having an idea. Your monthly payment would include your Principal & Interest, Property Taxes, Insurance, HOA monthly fee if property has one, Mello Roos or other fixed assessment, and the VA funding fee, if rolled into your loan. We can't figure utilities until you find a house.
I included a link to the IRS Web page showing the extension for the tax credit to VA buyers.
I'll be happy to help you find a home, give me a call anytime, so we can start visiting eligible homes - 619-825-6421. You may have more options than you realize!
Realtor, Lic # 01443391