Eligibility
VA loan eligibility
Full VA loan eligibility rules for Veterans, active duty, National Guard, Reservists, military spouses, surviving spouses, and disabled Veterans.
Most Veterans, active-duty members with 90+ days of service, six years of Guard/Reserve service, and many spouses qualify for a VA home loan. Find your exact eligibility path below.
Eligibility
Active-Duty VA Loan Eligibility
You're eligible after 90 continuous days of active-duty service. No discharge required.
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VA Loan Eligibility for Veterans
Most honorably-discharged Veterans qualify with 90 wartime or 181 peacetime days of service.
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National Guard VA Loan Eligibility
6 years of Guard service, or 90 days of Title 10 active-duty, unlocks VA eligibility.
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Reservist VA Loan Eligibility
Same as Guard: 6 years of service, or 90 days of Title 10 active-duty.
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Military Spouse VA Loan Eligibility
Some spouses qualify — POW/MIA, missing in action, or spouses of deceased service members.
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Surviving Spouse VA Loan Eligibility
If your service member spouse died in service or from a service-connected disability, you likely qualify — and are exempt from the funding fee.
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Disabled Veteran VA Loan Benefits
With any VA disability rating, you're exempt from the funding fee — often saving $10,000+.
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Purple Heart VA Loan Benefits
Purple Heart recipients are exempt from the VA funding fee.
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COE Requirements — What You Need for a Certificate of Eligibility
The DD-214 for Veterans, statement of service for active duty. Guard/Reserve need NGB-22 or points statement.
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VA Loan Credit Requirements
The VA sets no minimum score. Lenders typically require 580–620. Compensating factors help below that.
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VA Loan Income Requirements
Stable, 2-year income history. The VA uses residual income alongside DTI — a Veteran-friendly test.
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VA Loan Occupancy Requirements
You must occupy the home as your primary residence within 60 days of closing (with some exceptions).
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