Technically with VA you do not need downpayment $. But in reality you do. You have to put up a good faith deposit when you write an offer. There has to be some collateral exchanged for the seller to commit to you and remove the listing from the active market. The way we structure your offer is 100% financing. So at the end you get your initial deposit back at the close of escrow.
There will be closing cost to consider. However, there are loan programs designed for downpayment or closing cost assistance that can be uses in conjunction with the VA loan... Providing that the borrower qualifies. There are income and credit restrictions.
I have been using these loans for buyers for years now and I have gotten buyers as much as $21,000 through these programs along with asking for closing costs from the sellers.
I do it all the time, so I know it is possible.
Call me if you have questions.
Best of luck,
Coldwell Banker Star Realty
BRE Lic #01456982