VA Loan – How does it work?

I must be extremely stupid, but me and my spouse have been looking to get a house for a while now. I just got out of the AF reserves after 7 years and wanted to start our house process via the VA loan.

I just don’t really know how to start it and how much capital I need upfront to still make the VA loan stuff work. Everything says no down payment, then things say there is a VA fee, is it wrapped in the loan? Then there are things about buying points… then people are just saying use it at the current bloated interest rates and then just refinance, while others say to wait.

Does anyone have any comprehensive guides or sites that is able to walk me through the process and potential costs? First time home buyer and no clue what I’m doing.