VA home loans help eligible veterans, service members, and some surviving spouses buy a home with favorable terms. This guide explains VA loan requirements for 2026, including eligibility, the Certificate of Eligibility, and the costs involved.
The short answer: VA loan eligibility is based on service history or surviving-spouse status. You will need a Certificate of Eligibility (COE), and the VA does not set a minimum credit score — but lenders do. The VA funding fee may apply unless you are exempt. See our VA home loan page and low down payment options for more, and check your credit with our guide on the credit score needed to buy a house.
Who is eligible for a VA loan
Eligibility generally depends on your service history. You may qualify if you:
- Served a minimum period on active duty
- Are a current or former National Guard or Reserve member with enough service
- Are an eligible surviving spouse of a veteran
The VA sets the service requirements, and they can change, so confirm your status through the VA.
How to get your Certificate of Eligibility (COE)
The COE proves to your lender that you meet the VA's service requirements. You can get it through:
- The VA's online eBenefits portal
- Your lender, who can often request it for you
- Mail, using VA Form 26-1880
Most lenders can pull the COE quickly during the application process.
Credit, income and debt-to-income review
The VA does not set a minimum credit score, but lenders typically have their own minimums. Lenders also review:
- Your income stability
- Your debt-to-income ratio
- Your residual income (money left after major expenses)
A strong, stable income and manageable debts help your approval.
The VA funding fee and who may be exempt
The VA funding fee is a one-time cost that helps keep the VA loan program running. It is usually financed into the loan. Some borrowers are exempt, including:
- Veterans receiving VA disability compensation
- Eligible surviving spouses
- Some active-duty service members with a qualifying disability
The fee percentage varies by down payment and whether it is your first use of the benefit. Check the current fee on va.gov before applying.
Property and occupancy requirements
A VA loan must be used for a primary residence — not a vacation home or investment property. The home must also meet the VA's minimum property requirements for safety, soundness, and sanitation.
VA loan myths to ignore
- "You can only use it once." — You can reuse the benefit if you restore your entitlement.
- "It is only for first-time buyers." — Eligible borrowers can use it again.
- "There is a perfect credit score required." — Lenders set their own minimums.
When you are ready, get a free quote or set up rate alerts.
This article is for general information only and is not a commitment to lend. VA loan eligibility and fees depend on VA guidelines and your lender. Verify current rules on va.gov before applying.
