Paperwork Needed For VA Home Loan

When applying for a VA home loan, there are certain paperwork requirements that you need to meet. These documents are necessary to prove your eligibility and help the lenders determine your ability to repay the loan. In this article, we will discuss the paperwork needed for a VA home loan.

Proof of Service

The first and most important requirement for a VA home loan is proof of service. You need to provide your Certificate of Eligibility (COE) that confirms your eligibility for the VA loan. The COE can be obtained online through the VA’s eBenefits portal, or by submitting VA Form 26-1880.

In addition to the COE, you also need to provide your discharge certificate or DD Form 214. This document provides details about your service, including the type of discharge, dates of service, and character of service. It is used to determine your eligibility for a VA loan and the amount of your entitlement.

Income and Employment Verification

Another important requirement for a VA home loan is income and employment verification. You need to provide proof of your income and employment history for the last two years. This can be done through pay stubs, W-2 forms, tax returns, and employment verification letters from your employer.

If you are self-employed, you need to provide your tax returns for the past two years, along with a current year-to-date profit and loss statement. You may also need to provide bank statements and other financial documents to prove your income and assets.

Credit Report and Score

Your credit report and score are also important factors in getting approved for a VA home loan. You need to provide a copy of your credit report from all three major credit bureaus (Equifax, Experian, and TransUnion) and your credit score.

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If your credit score is low, you may still be eligible for a VA loan, but you may need to provide additional documentation and meet other requirements. It is important to work on improving your credit score before applying for a VA loan to increase your chances of approval.

Property Appraisal

Before the lender can approve your VA loan, they need to assess the value of the property you are planning to buy. You need to provide a property appraisal report that provides an unbiased assessment of the property’s value.

The appraisal report is used to determine the loan amount and ensure that the property meets the VA’s minimum property requirements. The appraisal report is usually ordered by the lender, but you may need to pay for it upfront.

Other Documents

In addition to the above documents, you may need to provide other paperwork for your VA loan application. Some of the additional documents you may need to provide include:

  • Bank statements
  • Proof of insurance
  • Gift letter for down payment
  • VA Form 26-8937 (Verification of VA Benefits)
  • VA Form 26-8497 (Request for Verification of Employment)
  • Power of attorney (if applicable)


Getting a VA home loan can be a complex process, but having the right paperwork and documentation can make it easier. By providing all the necessary paperwork and meeting the eligibility requirements, you can increase your chances of getting approved for a VA loan and becoming a homeowner.