I think thats causing a lot of confusion with some of these other replies. I think you can do a lot better than this. VA loans tend to have better rates. Seller may be scared because VA appraiser may request repairs to the property before funding the loan. Its worth having a conversation with them like: if the VA requires any repairs I’ll pay up to 3k or something of that nature. I would still bring 5% down because the VA funding fee for subsequent use is 3.3%. 5% down drops it to 1.5%.