Oakdale · VA / Military
Buying an Oakdale Home With a VA Loan
Use the home loan benefit you earned, with a clear plan for your VA purchase in Minnesota.
Using your VA benefit in Oakdale
Oakdale offers single-family homes and townhomes close to three major roads, which is why veterans often ask us about it. I'm Lesley, a REALTOR® with Bridge Realty.
Can I buy an Oakdale townhome with a VA loan? A townhome usually works. Townhomes are about a fifth of Oakdale's housing, mostly built between 1980 and 2000. A condominium must be in a development the VA has approved, so your lender can check the approval list before you tour.
Association dues and your payment
With no down payment, the monthly payment is the number to watch. Many townhomes have an association, and the dues add to that payment. For each home you consider, we add the dues, the property taxes, and the insurance to the mortgage, so you compare full costs.
You can look up the taxes on any Oakdale home through Washington County's property tax lookup, by parcel number or by street address.
Condition and the appraisal
Most Oakdale homes are resales built from the 1960s to the early 2000s. The appraisal for your loan also considers the home's condition, so we review the roof, windows, furnace, and past updates before you write an offer. An issue found early gives you time to talk it through with the seller.
Oakdale's townhomes were mostly built between 1980 and 2000, and its single-family homes mostly between 1960 and 2000. Either can work for a VA purchase. We compare their age, updates, and full monthly cost side by side, so the choice is clear.
Choosing the area
Interstate 694, Interstate 94, and Highway 36 run through the area, and the METRO Gold Line has a park-and-ride lot in Oakdale. If you tell us where you will work or drill, we start with the parts of the city that fit the drive. North St. Paul-Maplewood-Oakdale (District 622) serves the city, and you should confirm the schools for any address.
How the VA loan works, step by step, is on our VA and military buyers page. You can also read buying a home in Oakdale, our Oakdale page, and, if you are moving on orders, relocating to Oakdale. Our Lake Elmo page covers a nearby community.
Your lender confirms your eligibility and your numbers. When you are ready, you can send us a message or call (651) 661-4770.
Frequently Asked Questions
Do condos in Oakdale need VA approval?
A condominium must be in a VA-approved development. Your lender can check before you tour.
Do I need a down payment with a VA loan?
Many eligible buyers do not. Your lender confirms what applies to you.
Can I commute from Oakdale by transit?
The METRO Gold Line runs all day in both directions along the I-94 corridor between St. Paul and Woodbury, with a park-and-ride lot in Oakdale. Whether it fits depends on where you work.
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Homes For Sale In Oakdale
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Oakdale
What va / military looks like in Oakdale
Oakdale is a Washington County suburb on the Interstate 694, Interstate 94, and Highway 36 corridors, with 29 city parks and a METRO Gold Line park-and-ride.
Oakdale is close to Woodbury and Lake Elmo, two communities we work in often, and most of its homes were built from the 1960s to the early 2000s.
- The homes
- Single-family homes make up about half of Oakdale's housing, mostly built between 1960 and 2000, and townhomes about a fifth, mostly built between 1980 and 2000.
- Schools people ask about
- North St. Paul-Maplewood-Oakdale (District 622) serves Oakdale. Confirm the district and schools for any address.
- Getting around
- Interstate 694, Interstate 94, and Highway 36 run through the area, and the METRO Gold Line has a park-and-ride lot in Oakdale.
- Nearby
- 29 city parks, including the Oakdale Nature Preserve and its Discovery Center, plus a boat launch and beach at Tanners Park.
- The trade-off
- Most of Oakdale was built out from the 1980s to the early 2000s, and new home construction has been limited since, so most choices are resale homes.
VA / Military: keep exploring
Ready to make your move with Lesley The Realtor?