VA One-Time Close Construction Loan
A VA one-time close loan combines the lot purchase, the build, and the permanent mortgage into a single closing. Borrower qualification follows the same Chapter 4 underwriting standards as any VA loan. Scheduled principal-and-interest payments begin after construction is complete, and the loan converts to a permanent fixed-rate mortgage without a second closing.
Next step:
Check Your VA Loan Eligibility
Qualification
- Same Chapter 4 underwriting. Credit, income, assets, and AUS findings apply the same way as a standard VA purchase. [VA rule] · Ch. 7 §a
- Scheduled payments begin after completion. Construction-period interest is handled through the reserve or the builder’s contract. [VA rule] · Ch. 7 §k
- No monthly PMI. The standard VA mortgage insurance advantage applies.
- VA funding fee applies. Unless the borrower is exempt. [VA rule] · Ch. 8
What Changes
- Builder contract replaces the purchase agreement. Plus a land purchase agreement if the lot is part of the transaction.
- Maximum loan = lesser of acquisition cost or reasonable value. Plus the funding fee. [VA rule] · Ch. 7 §d
- VA permits the Veteran as contractor. Many lenders prohibit it as an overlay. [VA rule] · Ch. 7 §b · [Common lender practice]
- Contract type and build term are lender-set. VA does not require a specific contract format or build duration. [Common lender practice]
How It Works
- One closing, permanent financing established up front. Lock structure varies by lender; VA permits ceiling-floor arrangements. [VA rule] · Ch. 7 §n
- Appraisal ordered before foundation. Based on plans, specs, and as-completed value. [VA rule] · Ch. 7 §c
- Draws fund the builder. The Veteran must approve each draw in writing before the lender releases funds. [VA rule] · Ch. 7 §i
- VA final inspection after 100% complete. LGC is not issued until the clear inspection report. [VA rule] · Ch. 7 §f
Finding A Lender
- Not every VA lender offers construction. These files require specialized underwriting, servicing, and draw administration.
- Start with the lender, not the lot. Confirm the lender offers VA one-time close before spending money on plans.
- Builder must pass the lender’s review. VA no longer requires a builder ID number (Circular 26-25-1), but lenders set their own acceptance standards. [VA rule] · Circular 26-25-1
- Overlays vary. Credit score minimums, DTI caps, loan amount limits, and property restrictions differ from lender to lender. [Common lender practice]
Top questions before you dig in
Is qualifying for this loan different from a regular VA loan?
When does the first mortgage payment come due?
Can the borrower build with 0% down?
VA Rule vs. Lender Overlay
Many requirements that borrowers encounter on VA construction loans are lender overlays, not VA rules. The table below separates the two. Every VA cell is cited to its source.
| Item | VA Rule | Common Lender Overlay |
|---|---|---|
| Owner-builder | VA permits the Veteran to act as their own contractor (Ch. 7 §b). All labor and material costs must be documented. | Most lenders prohibit owner-builder and require a licensed general contractor. |
| Contract type | No specific contract format required. | Most lenders require fixed-price or fixed-cost contracts. Cost-plus is commonly prohibited. |
| Build term | Initial payment may be postponed up to 12 months, with extensions up to 18 months (Ch. 7 §k). | Most lenders offer 6, 9, or 12 month build terms. |
| Rate lock structure | VA permits ceiling-floor arrangements where the Veteran qualifies at the maximum rate (Ch. 7 §n). | Lock structure, float-down options, and extension fees vary by lender. |
| Draw inspections | The Veteran must approve each draw in writing (Ch. 7 §i). The lender sets the inspection schedule (Ch. 7 §o). | Most lenders require a physical inspection before each draw release. |
| Builder acceptance | VA builder ID number no longer required (Circular 26-25-1, effective March 31, 2025). State/local licensing still applies. | Lenders set their own builder-acceptance standards: track record, licensing, insurance, project history. |
| Property types | Site-built, manufactured classified as real estate, 2-4 unit owner-occupied, farm residences (Ch. 7 §a; Ch. 7 Topic 8; Ch. 7 Topic 9). | Lenders may restrict by property type, manufacturer, width, or unit count. |
| Occupancy | The Veteran must certify intent to personally occupy the property as a home (Ch. 7 Topic 1, §d). | Same requirement; no additional overlay typical. |
| 2-4 unit rental income | Prospective rental income may be used at 75% of appraiser’s fair-market rent on proposed construction, subject to reserve and landlord-experience requirements (Ch. 4 §n). | Some lenders restrict or disallow rental income on construction files. |
| Maximum loan | Lesser of documented acquisition cost or VA reasonable value, plus the funding fee (Ch. 7 §d). | Some lenders set lower internal maximums on construction. |
| Land equity | Equity may count toward the funding-fee downpayment, with timing rules based on when the land was acquired (Ch. 7 §g, Tables 8-10). | Lender documentation requirements for land equity vary. |
| Construction supervision fee | Up to 2% of loan amount when 51% or more of proceeds are disbursed during construction (38 CFR 36.4313(d)(3)). On top of the 1% origination. | Whether and how much the lender charges varies. |
Key Takeaway
The VA is not the lender. A private lender funds the project and sets the overlays. When this article cites a VA rule, it comes from the Lender’s Handbook or a regulation. Everything else labeled as common lender practice is a market norm that varies by lender. Always confirm the specific guidelines with the loan officer before building a budget around assumptions.
How Qualification Works
Borrower qualification on a one-time close construction loan follows the same Chapter 4 underwriting standards as any VA loan: credit, income, assets, and automated underwriting findings. [VA rule] · Ch. 7 §a
VA itself does not set a minimum credit score. Individual lenders set their own minimums, and those can vary, especially on construction files where some lenders layer additional requirements by loan amount. Some lenders may also consider manual underwriting on construction files, but that varies.
The borrower-side numbers still need to hold up against the 41% DTI benchmark and the residual-income test that apply to all VA loans. The areas where construction files differ from a standard VA purchase are the property requirements, the builder acceptance, and the construction process. Those are procedural differences, not additional qualification barriers for the borrower.
How VA Sets the Maximum Construction Loan
The maximum base loan amount on a one-time close is the lesser of the documented acquisition cost or the VA reasonable value (NOV), plus the applicable funding fee. [VA rule] · Ch. 7 §d
Acquisition Cost Components (Ch. 7 §e)
| Component | Included When |
|---|---|
| Contract to build | Always |
| Balance owed on the land | When the lot has a payoff or is being purchased |
| Interest reserve | If not included in the contract to build |
| Contingency reserve | Always (negotiated between borrower and builder, Ch. 7 §j) |
| Permits | If not included in the contract to build |
If no balance is owed on the land, neither the original cost nor current value may be included in acquisition cost. [VA rule] · Ch. 7 §e If the lot side is still unclear, see Can You Buy Land with a VA Loan.
When the as-completed value (NOV) comes in below the documented acquisition cost, the loan is capped at the lower figure. The gap between the two becomes additional cash from the borrower or a reduced build scope. The calculator above models this under the value sensitivity table.
Land Equity and the Funding-Fee Downpayment (Ch. 7 §g)
Land equity can count toward the funding-fee downpayment percentage, but the calculation depends on when the Veteran acquired the land. VA defines three timing rules:
- Land acquired within 12 months of VA loan closing: the greater of the amount paid to acquire the land or the appraised land value (if the appraiser assigned value). [VA rule] · Ch. 7 §g(2), Table 8
- Land acquired more than 12 months before closing: the appraised land value if the appraiser assigns it; otherwise, equity in the secured property (reasonable value minus loan amount). [VA rule] · Ch. 7 §g(3), Table 9
- Gifted or inherited land: only equity in the secured property counts (reasonable value minus loan amount). [VA rule] · Ch. 7 §g(4), Table 10
Worked example (Table 9, land owned more than 12 months): The Veteran owns the land free and clear. The contract to build is $300,000. The reasonable value is $350,000. Neither the original cost nor the current value of the land is included in acquisition cost because no balance is owed. Acquisition cost = $300,000. Max loan = lesser of $300,000 or $350,000 = $300,000 + applicable funding fee. In FFPS, the purchase price is the greater of the acquisition cost or the reasonable value = $350,000. The downpayment = $350,000 − $300,000 = $50,000 (14.3%). [VA rule] · Ch. 7 §g, Table 9 Example 1
The calculator above models the FFPS purchase price and downpayment percentage for all three timing rules. The worked math is available in the expandable FFPS drawer.
Construction-Period Interest and the Interest Reserve
Interest accrues on disbursed funds during construction. The interest reserve, if included in the loan, covers these charges so the borrower does not make out-of-pocket interest payments during the build.
VA requires that the Veteran begin making scheduled P&I payments when construction is complete. The initial payment may be postponed up to 12 months; if construction cannot be completed within that period, payments may be delayed month by month for up to an additional six months. The loan must be amortized to achieve full repayment within its remaining term. [VA rule] · Ch. 7 §k
Example: a 9-month build on a 30-year loan produces a remaining amortization term of 29 years and 3 months after modification. [VA rule] · Ch. 7 §k
If the interest reserve is depleted before construction is complete, the Veteran may pay for the remaining interest to prevent default. The Veteran may also pay for interest not included in the interest reserve. [VA rule] · Ch. 7 §h
The calculator above models construction-period interest draw by draw on the disbursed balance each month and compares the total against the interest reserve input to show months of cushion.
Draws, Inspections, and Warranties
After closing, the lender disburses construction funds in stages (draws) as milestones are completed. The Veteran must provide written approval before each draw payment is released to the builder. [VA rule] · Ch. 7 §i
Veteran Approves Each Draw in Writing
The lender must obtain written approval from the borrower before each draw payment is provided to the builder. The lender must retain this in the loan file and provide to VA upon request. [VA rule] · Ch. 7 §i
The lender is responsible for evaluating, monitoring, and managing the project. It is the lender’s responsibility to negotiate an inspection schedule with the general contractor and ensure the schedule is followed. [VA rule] · Ch. 7 §o, §m
Inspection and Warranty Paths (Ch. 7 §m)
VA provides three options for satisfying the proposed construction inspection requirement:
- Option 1: The local authority performs foundation, framing, and final inspections and issues a Certificate of Occupancy (CO). VA accepts the CO as evidence. [VA rule] · Ch. 7 §m(1)
- Option 2: The local authority performs inspections but does not issue a CO. VA accepts copies of the inspection reports or a written statement from the local authority. [VA rule] · Ch. 7 §m(2)
- Option 3: The local authority does not perform inspections. The property must be covered by a 10-year insured protection plan acceptable to HUD and a 1-year VA builder’s warranty. [VA rule] · Ch. 7 §m(3)
Post-Construction Inspection and the LGC
When the property is 100% complete, the lender contacts the original VA fee appraiser to complete the final inspection. The purpose is to certify that all VA Minimum Property Requirements are met, the home was built to the original plans and approved change orders, and the as-completed value was maintained. [VA rule] · Ch. 7 §m
The Loan Guaranty Certificate (LGC) is not issued until VA receives the clear post-construction inspection report and all NOV requirements are met. The loan must be guaranteed in WebLGY within 60 days of receipt. [VA rule] · Ch. 7 §f
What Does A VA One-Time Close Loan Cost?
The main cost components are the VA funding fee, lender closing costs, the construction-period soft costs financed into the loan, and the permanent monthly payment once the home is done.
Funding Fee
VA’s funding-fee schedule treats construction the same as purchase. First use under 5% down: 2.15%. Subsequent use under 5% down: 3.30%. Put 5% down and it drops to 1.50%. At 10% down, 1.25%. Disabled-Veteran exemptions apply the same way. The funding fee must be paid to VA within 15 days of loan closing; this requirement is not tied to the commencement or completion of construction. [VA rule] · Ch. 7 §g; va.gov (eff. Apr 7, 2023)
On purchase and construction loans, only the funding fee may be financed into the loan amount. All other fees are paid at closing. [VA rule] · Ch. 8
Construction Fees the Veteran May and May Not Pay
The lender may charge a flat fee of up to 1% of the loan amount (origination). On one-time close construction loans where the lender supervises construction progress and makes advances to the Veteran during construction, an additional construction-supervision charge of up to 2% of the loan amount is permissible — but only when 51% or more of the loan proceeds are disbursed during the actual progress of construction. This 2% is a maximum, not a given, and is on top of the 1% origination. [VA rule] · 38 CFR 36.4313(d)(3); Ch. 8
On a one-time close, the builder is responsible for fees normally paid by a builder who obtains an interim construction loan, including inspection fees, title updates, and hazard insurance during construction. [VA rule] · Ch. 7 §p
Change Orders and Overruns
Change orders should be reviewed in advance by the appraiser to ensure no loss in value. Upgrades made after the appraisal cannot be mortgaged into the loan unless an updated appraisal is obtained. The borrower may pay for upgrades out of pocket or from available contingency reserve funds. [VA rule] · Ch. 7 §l
The loan does not grow because the builder spent more than the contract price. If construction costs exceed the contract plus contingency, the additional cash comes from the borrower or the scope is reduced. The calculator above models overrun sensitivity at +5%, +10%, and +15% against the contingency reserve.
What Property Types May Be Eligible?
Both manufactured homes classified as real estate and site-built homes can be eligible on a VA one-time close construction loan.
| VA-Eligible | Lender-Dependent | Commonly Restricted |
|---|---|---|
| Detached site-built homes | Modular homes (built to state/local code, not HUD code) | Condos (limited exceptions) |
| 2-4 unit owner-occupied (one unit must be primary residence) | Log homes, barndominiums, hybrid modular | Co-ops |
| Farm residences (residential value only, Ch. 7 Topic 8) | Manufactured homes classified as real estate (Ch. 7 Topic 9) | Mixed-use |
| ADUs with primary construction | Container homes | |
| Pre-starts (permanent structural work already underway) |
The owner-occupancy requirement applies to the finished home.
Important
Pre-starts — projects where permanent structural work such as slab, footers, or foundation is already completed — are generally ineligible for one-time close construction loans. This program is designed for proposed construction. [VA rule] · Ch. 7 §c
Building 2-4 Units
Prospective rental income on owner-occupied multi-unit construction may be used to offset the mortgage payment on the rental property. On proposed construction, the amount is based on 75% of the appraiser’s opinion of the property’s fair monthly rental. The borrower must demonstrate a reasonable likelihood of success as a landlord and provide cash reserves totaling at least 6 months of mortgage payments (PITI). [VA rule] · Ch. 4 §n
Manufactured vs. Modular
Modular homes are factory-built to state and local building codes, not to the HUD code that governs manufactured housing. They do not require HUD tags, foundation certifications, or personal-to-real property title conversions. They appraise as standard residential construction and underwrite with fewer lender overlays.
Manufactured homes classified as real estate are eligible under Chapter 7 Topic 9. The loan may cover the purchase of the manufactured home, the lot, and all real property improvements. Construction exhibits, permitting, and materials specifications must be provided to the appraiser. [VA rule] · Ch. 7 Topic 9
Builder Acceptance After the 2025 Change
VA Circular 26-25-1 (effective March 31, 2025) eliminated the requirement for a VA-issued builder identification number for NOV issuance and loan processing on new and proposed construction. [VA rule] · Circular 26-25-1
What did not change: builders are still expected to meet any state and local licensing requirements. There is no change in the builder ID requirement for Specially Adapted Housing (SAH) grants or Native American Direct Loans (NADL). [VA rule] · Circular 26-25-1 §4
Lenders continue to set their own builder-acceptance standards. Documentation typically includes a builder profile, contractor license, insurance, a project history, and recent permits or certificates of occupancy. [Common lender practice]
VA Circular 26-25-1, Elimination of Builder Identification Number, effective March 31, 2025
Entitlement and County Limits
A borrower with full entitlement is not capped by the county loan limit. The county limit only enters the calculation for borrowers with partial (reduced) entitlement, where the remaining guaranty is computed as 25% of the county limit minus entitlement already charged. [VA rule] · Ch. 3
The calculator above models both full and partial entitlement. On partial entitlement, the shortfall between the remaining guaranty and 25% of the loan amount indicates a cash contribution. For the current county-limit dataset, the FHFA 2026 baseline is $832,750 for a 1-unit property (announced November 25, 2025).
How Do You Find a VA Construction Lender?
Not every VA lender offers construction loans. VA’s guidance notes that many lenders are not willing or able to originate these files because they require specialized underwriting, servicing, and draw administration. [VA rule] · Ch. 7 §i
- Start with the lender. Confirm the lender offers VA one-time close construction before spending money on plans or committing to a builder.
- Not every VA lender can do this. VA’s own guidance says many cannot or will not.
- Builder acceptance varies by lender. The loan officer can explain what documentation is needed.
- Overlays vary. Credit score minimums, DTI caps, loan amount limits, and property restrictions differ from lender to lender. [Common lender practice]
Check the current VA construction lender directory to find a lender before committing to a builder.
How To Request A VA Home Loan Certificate Of Eligibility
One-Time Close vs. Two-Time Close vs. Construction-to-VA Refinance
VA defines three paths for construction financing. Each has a different number of closings, appraisal timing, and VA classification.
| Feature | One-Time Close | Two-Time Close | Cash-Out Refinance |
|---|---|---|---|
| Number of closings | 1 | 2 (non-VA interim + VA permanent) | 1 (after construction complete) |
| Appraisal timing | Before foundation (proposed, per plans/specs) | Preferred: after 100% complete (new construction) | After 100% complete; at least 1 year since CO |
| VA classification | Purchase | Purchase | Refinance |
| Maximum loan | Lesser of acquisition cost or reasonable value + funding fee | Lesser of acquisition cost or reasonable value + funding fee | 100% of reasonable value |
| Cash back to Veteran | No | No | Yes |
| Land equity for funding-fee reduction | Yes (Ch. 7 §g) | Yes (Ch. 7 §g) | No |
| VA refinancing NTBs apply | No | No | Yes (satisfaction of interim loan = NTB, Ch. 7 §a) |
| 210-day / 6-payment seasoning | N/A | N/A (classified as purchase) | No — the loan being refinanced is not VA-guaranteed (38 USC 3709(c)) |
Plan B: When the Lender Does Not Offer VA One-Time Close
When a VA one-time close is not available, two VA-defined alternatives exist:
(a) Two-time close construction loan. The Veteran finances the build with a non-VA interim construction loan, then closes into a VA-guaranteed loan to establish permanent financing by refinancing the interim loan. VA classifies this as a purchase. The 210-day / six-payment seasoning rule (38 USC 3709(c)) does not apply because VA’s refinancing net tangible benefit requirements do not apply to two-time construction close loans. [VA rule] · Ch. 7 §a, §t Table 7
(b) VA cash-out refinance of an interim construction loan. When construction was completed and at least one year has passed as evidenced by a Certificate of Occupancy or other evidence by the taxing authority, and the Veteran already owns the property, the transaction is treated as a cash-out refinance (Ch. 7 §c). Satisfaction of the interim construction loan is considered a net tangible benefit (Ch. 7 §a). The 210-day / six-payment seasoning rule does not apply because the loan being refinanced is not VA-guaranteed — 38 USC 3709(c) requires seasoning on the loan being refinanced, and the interim loan is not a VA loan. [VA rule] · Ch. 7 §c, §a; 38 USC 3709(c); Circular 26-20-25 Change 1
Both paths require two closings and two sets of closing costs. The two-time close opens the door to a wider pool of construction lenders because the interim loan does not need to be VA-guaranteed. For a broader look at construction financing paths, see VA construction loans.
The Construction Timeline
A typical one-time close construction loan follows this sequence:
- COE. Verify the Veteran’s eligibility and entitlement (Ch. 2).
- Lender and builder. Confirm the lender offers VA one-time close and the builder can pass the lender’s review.
- Plans, specs, and contract. Finalize the build contract, site plan, and construction exhibits.
- Appraisal and NOV. Order the appraisal as “Construction to Permanent,” building status “Proposed” (Ch. 7 §c). The appraiser values the home based on plans and specs.
- Underwriting. Standard Chapter 4 underwriting.
- Closing. One closing. Disburse funds to cover the land cost and fund the construction escrow (LIP/Draw account). Pay the funding fee to VA within 15 days (Ch. 7 §g).
- Draws. Construction takes place. Disburse funds per the draw schedule after obtaining the Veteran’s written approval before each draw (Ch. 7 §i).
- Final inspection. The VA fee appraiser completes the final inspection to certify MPRs met, plans followed, value maintained (Ch. 7 §m). For appraisal fee details, see the appraisal cost page.
- Modification. The construction note converts to permanent fixed-rate mortgage terms.
- First P&I. Scheduled principal-and-interest payments begin.
- LGC. Issued after the clear post-construction inspection report and all NOV requirements are met (Ch. 7 §f).
Frequently Asked Questions
What Credit Score Is Needed?
VA itself does not set a minimum credit score. Individual lenders set their own minimums, and those can vary on construction files.
How Is The Loan Amount Determined?
The maximum base loan is the lesser of the documented acquisition cost (contract + land balance owed + interest reserve + contingency + permits) or the VA reasonable value, plus the applicable funding fee. [VA rule] · Ch. 7 §d, §e
Can the Veteran Be Their Own Builder?
VA permits the Veteran to act as their own contractor or builder. A VA builder ID is not required in these cases. All labor and material costs must be documented by receipts, work orders, and contractual agreements. Most lenders prohibit owner-builder as an overlay and require a licensed general contractor. [VA rule] · Ch. 7 §b · [Common lender practice]
Does the Borrower Pay Interest While Building?
Scheduled P&I payments begin after construction is complete. Construction-period interest is handled through the interest reserve financed into the loan, the builder’s contract, or the Veteran where the reserve does not cover it or is exhausted. The Veteran may pay for interest not included in the interest reserve. [VA rule] · Ch. 7 §k, §h
Who Approves Each Draw?
The lender must obtain written approval from the borrower before each draw payment is released to the builder. The lender retains this documentation in the loan file. [VA rule] · Ch. 7 §i
What If the Appraisal Comes in Under the Cost?
The maximum loan is capped at the lesser of acquisition cost or reasonable value. If the as-completed value is below the acquisition cost, the borrower covers the gap in cash or reduces the build scope. The calculator above models this in the value sensitivity section. [VA rule] · Ch. 7 §d
Can Rent From the Other Units Be Used to Qualify?
Prospective rental income on owner-occupied 2-4 unit construction may be used to offset the mortgage payment. On proposed construction, the amount is 75% of the appraiser’s opinion of fair monthly rental, subject to cash reserve and landlord-experience requirements. [VA rule] · Ch. 4 §n
Does the 210-Day Rule Apply to a Construction Loan?
The 210-day / six-payment seasoning requirement (38 USC 3709(c)) applies to refinancing VA-guaranteed loans. A two-time construction close is classified as a purchase for VA purposes (Ch. 7 §a, Table 7). A VA cash-out refinance of a non-VA interim construction loan is not subject to the rule because the loan being refinanced is not VA-guaranteed. [VA rule] · 38 USC 3709(c); Ch. 7 §a, §t
What Is The Difference Between One-Time Close And Two-Time Close?
One-time close uses one closing with permanent financing established up front. Two-time close uses a non-VA interim construction loan followed by a VA loan to establish permanent financing. Both are classified as purchases by VA. The two-time close requires re-qualifying and incurs two sets of closing costs. [VA rule] · Ch. 7 §a
Are Manufactured Homes Eligible?
Manufactured homes classified as real estate may be eligible under Chapter 7 Topic 9. Lender-specific restrictions on manufacturer, width, and foundation type apply.
Can the Borrower Use Land Already Owned?
Yes. If the lot is owned free and clear, neither the original cost nor current value is added to the acquisition cost, but the equity may count toward the funding-fee downpayment under the timing rules in Ch. 7 §g. If a payoff exists, the balance owed is included in acquisition cost. [VA rule] · Ch. 7 §e, §g
What Happens to Leftover Construction Funds?
Any funds remaining in the LIP account upon completion of construction should be disbursed according to the contract. Excess funds may be returned to the borrower up to the verified amount paid in advance; otherwise, the funds are applied to reduce the loan balance. This does not affect the funding fee or final guaranty amount. [VA rule] · Ch. 7 §j
How We Researched This Page
Every factual claim on this page was verified against VA-hosted primary sources: VA Pamphlet 26-7 Chapter 7 (June 5, 2024 revision) fetched from KnowVA, 38 CFR 36.4313 from the eCFR, VA circulars 26-25-1 and 26-20-25 Change 1 extracted via pdftotext, 38 USC 3709 from uscode.house.gov, the VA funding fee schedule on va.gov, and the FHFA 2026 conforming loan limit announcement. Where a requirement comes from lender practice rather than VA regulation, it is labeled as such. Figures in the calculator are derived from regulatory formulas (acquisition cost per Ch. 7 §e, funding fee per va.gov, partial entitlement per Ch. 3) and user-entered assumptions (rates, balances, terms, draw schedules). No market-data claims or unsourced statistics appear on this page.
Resources Used
- VA Pamphlet 26-7 Chapter 7: Loans Requiring Special Underwriting (June 5, 2024)
- VA Pamphlet 26-7 Chapter 8: Borrower Fees and Charges and the VA Funding Fee
- VA Pamphlet 26-7 Chapter 4: Credit Underwriting
- 38 CFR 36.4313: Loan Fees and Charges
- VA Circular 26-25-1: Elimination of Builder ID (effective March 31, 2025)
- 38 USC 3709: Refinancing of Housing Loans (seasoning requirements)
- VA.gov: Funding Fee and Closing Costs
- FHFA 2026 Conforming Loan Limits (baseline $832,750, announced November 25, 2025)