Va Loan Forms: Everything You Need to Know


Welcome to our comprehensive guide on VA loan forms. If you’re a veteran or an active-duty service member looking to buy a home, a VA loan can be a great option. However, navigating through the forms required for a VA loan can be confusing and overwhelming. That’s why we’ve put together this guide to walk you through the process of obtaining a VA loan and the necessary forms that come with it.

Our aim is to make the VA loan process as simple and stress-free as possible. In this guide, we’ll go over everything you need to know about VA loan forms, from the application process to common FAQs. So let’s dive in!

What is a VA loan?

A VA loan is a mortgage loan program specifically designed for eligible service members, veterans, and their families. VA loans are provided by private lenders, but they are guaranteed by the U.S. Department of Veterans Affairs (VA).

VA loans offer many benefits, including no down payment requirement, no private mortgage insurance (PMI), and competitive interest rates. They are intended to make homeownership more accessible to those who have served our country.

VA Loan Eligibility

Before you apply for a VA loan, you must determine if you’re eligible. The eligibility requirements for VA loans can vary, but generally speaking, you may be eligible if:

Eligibility Criteria
Service Requirements
You served at least 90 consecutive days of active service during wartime or 181 days of active service during peacetime.
Credit Requirements
You have a minimum credit score of 620 and a debt-to-income ratio of 41% or less.
Property Requirements
The property you’re purchasing must meet certain VA minimum property requirements and be your primary residence.

If you meet the eligibility requirements, you can begin the application process for a VA loan.

VA Loan Forms

When applying for a VA loan, there are several forms that you may need to complete. Some of the most common VA loan forms include:

1. VA Form 26-1880: Request for Certificate of Eligibility

This form is used to request a Certificate of Eligibility (COE) from the VA. The COE verifies your eligibility for a VA loan and is required to apply for a VA loan.

2. VA Form 21-4138: Statement in Support of Claim

This form is used to provide additional information about your military service or circumstances that may impact your eligibility for a VA loan.

3. VA Form 22-1990: Application for VA Education Benefits

This form is required for veterans who wish to use their VA benefits to attend school.

4. VA Form 22-1995: Request for Change of Program or Place of Training

This form is used by veterans who need to change their program or place of training after they’ve already applied for VA education benefits.

5. VA Form 21-526EZ: Application for Disability Compensation and Related Compensation Benefits

This form is used to apply for disability compensation from the VA.

6. VA Form 26-6393: Loan Guaranty Certificate Request

This form is used by lenders to request a Loan Guaranty Certificate (LGC) from the VA.

7. VA Form 26-1880a: HUD/VA Addendum to Uniform Residential Loan Application

This form is used to collect additional information from borrowers applying for a VA loan.

These are just a few examples of the many VA loan forms that may be required during the application process. It’s important to note that the specific forms you need may vary depending on your circumstances and the lender you’re working with.


1. What is the VA funding fee?

The VA funding fee is a one-time fee that is required for most VA loans. The fee can range from 1.4% to 3.6% of the loan amount, depending on your down payment amount and military service status.

2. Can I use a VA loan to buy a second home?

No, VA loans are intended for primary residences only.

3. How long does it take to get a VA loan?

The timeframe for obtaining a VA loan can vary, but it typically takes around 30 to 45 days.

4. Can I use a VA loan to refinance an existing mortgage?

Yes, VA loans can be used to refinance an existing mortgage.

5. Can I use a VA loan to buy a condo?

Yes, but the condo must be on the VA’s approved list of condos.

6. Do I need a down payment for a VA loan?

No, VA loans do not require a down payment.

7. What is the minimum credit score required for a VA loan?

The minimum credit score required for a VA loan is typically 620, but this can vary depending on the lender.

8. Can I use a VA loan to buy land?

No, VA loans cannot be used to purchase land only. The land must have a home on it or be purchased simultaneously with the construction of a home.

9. Can I use a VA loan to buy a mobile home?

Yes, but the mobile home must be on a permanent foundation and classified as real property.

10. How do I obtain my Certificate of Eligibility?

You can obtain your Certificate of Eligibility by submitting VA Form 26-1880 to the VA.

11. Can I have a co-borrower on a VA loan?

Yes, you can have a co-borrower on a VA loan.

12. What is the debt-to-income ratio requirement for a VA loan?

The debt-to-income ratio requirement for a VA loan is typically 41% or less, but this can vary depending on the lender.

13. Can I use a VA loan to buy a multi-unit property?

Yes, but you must occupy one of the units as your primary residence.


Obtaining a VA loan can be a complicated process, but understanding the necessary forms and requirements can make it much easier. We hope this guide has provided you with valuable information and insights into the VA loan application process.

If you’re eligible for a VA loan, we encourage you to take advantage of this valuable benefit. By using a VA loan to purchase your home, you can save money on fees and interest rates and achieve your dream of homeownership.

If you have any further questions or need assistance with your VA loan application, be sure to speak to a qualified lender or VA representative.

Closing Disclaimer

The information contained in this guide is for informational purposes only and should not be considered legal or financial advice. Each individual’s personal circumstances may vary, and it’s important to consult with a qualified professional before making any financial decisions.