search the official VA condo list and decode your status
VA Approved Condo Lookup: Search the VA Condo List and Decode Your Status
VA condo approval is project-based, not unit-based. The entire development must be accepted before any unit qualifies for a VA loan. The official VA Condo Report shows the current status. Accepted Without Conditions and Accepted With Conditions are the approved statuses. The VA does not approve individual units. Confirm acceptance before ordering the appraisal. The tool below decodes each status.
Next step:
Compare VA Loan Offers
- Use the first one or two words of the legal name
- Drop "Condominium" and "HOA"
- Try city and state only if the name returns nothing
- Search each phase separately
- Use the condo ID if the lender or HOA has it
Where to check
- Use the VA Condo Report: the official database at lgy.va.gov shows every project the VA has reviewed, with its current status. [VA Condo Report]
- Filter to approved projects: check the box labeled "Retrieve only approved condos?" to narrow results to accepted projects only. [VA Condo Report]
- Search by name or condo ID: partial names work; the condo ID is a 6-digit alphanumeric code assigned to each project. [VA Condo Report]
- State is the only required field: city, county, name, and condo ID are optional filters that narrow the results. [VA Condo Report]
What the statuses mean
- Accepted Without Conditions: the project's legal documents are accepted; the unit, appraisal, and borrower still qualify separately. [VA rule] · Ch. 16 Topic 2b
- Accepted With Conditions: the project is accepted subject to conditions the lender must satisfy before closing. [VA rule] · Ch. 16 Topic 2b
- HUD Accepted: the project was accepted based on HUD or USDA approval; the lender should confirm current VA standing. [VA rule] · Ch. 16 Topic 2b
- Rejected, Pending, Suspended, or other: the project is not currently approved; the decoder below explains the next step for each label. [VA Condo Report]
If the project is not accepted
- The lender or sponsor submits: a written request and organizational documents go to the VA office of jurisdiction. [VA rule] · Ch. 16 Topic 2b
- Documents go through WebLGY: the lender creates a condo record and uploads the package electronically. [LGY Hub]
- The HOA supplies the documents: declaration, bylaws, budget, insurance, litigation disclosures, and meeting minutes. [VA rule] · Ch. 16 Topic 2c
- Confirm HOA cooperation first: if the HOA will not provide documents, the review cannot proceed. [Practical step]
Before you order the appraisal
- The NOV carries a condition for unapproved projects: the notice of value states the lender must ensure VA acceptability. [VA rule] · Ch. 16 Topic 2a
- Confirming acceptance first avoids wasted cost: ordering the appraisal before the project clears risks paying for an appraisal the lender cannot use. [Practical step]
- Guaranty requires project approval: the VA cannot guarantee a loan on a unit in a project whose legal documentation has not been approved by the Secretary. [38 CFR] · 36.4360(c)
- Recheck during escrow: status can change between offer and closing; confirm acceptance again before the appraisal is ordered. [Practical step]
Top questions before you dig in
Does FHA approval make my condo VA approved?
The Handbook says projects already approved by HUD or USDA generally do not need further VA review. The VA adds them to the nationwide condo list. The lender should confirm the project's current standing because in rare cases the VA may find an HUD/USDA-approved project does not comply with VA regulations.
Can the VA approve just my unit?
No. VA condo approval is project-based. The legal documentation for the entire condominium development must be approved by the Secretary before the VA can guarantee a loan on any unit in the project. There is no mechanism for approving a single unit while the rest of the project remains unreviewed.
Can I order the appraisal before the project is accepted?
Technically the appraisal can be ordered, but the notice of value for a unit in an unapproved project will carry a condition stating the lender is responsible for ensuring the condominium is acceptable to the VA. If the project is ultimately rejected, the appraisal cost is not recoverable. Confirming acceptance before ordering the appraisal avoids that risk.
The Bottom Line Up Front
VA condo approval is project-based: the entire development must be accepted before any unit in it can close with a VA loan.
The VA Condo Report at lgy.va.gov shows eight status labels, and only Accepted Without Conditions and Accepted With Conditions mean the project is currently approved. If the project shows any other status, the lender or sponsor must submit the organizational documents to the VA for review before the loan can be guaranteed. Confirm the project status before writing an offer and again before ordering the appraisal.
How to Search the VA Condo Report
The official VA Condo Report at lgy.va.gov/lgyhub/condo-report lists every condominium project the VA has reviewed, with the current status and review dates.
- State is the only required field. City, county, name, ID, and regional office are optional filters.
- Check the box labeled “Retrieve only approved condos?” to see only accepted projects.
- The condo ID is a 6-digit alphanumeric code assigned to each project. Searching by ID is the fastest path if the HOA or lender has it.
- Try the first one or two words of the legal name. The official record often truncates “Condominium” and “HOA.”
- Search each phase separately if the development has multiple legal phases, since each may carry a different status.
Status Decoder: What Each Label Means
The VA Condo Report returns one of eight status labels. The table below shows each exact label, what it means for the purchase, and the next step.
| Status | What it means | Appraisal? | Next action |
|---|---|---|---|
| Accepted Without Conditions | The VA reviewed the organizational documents and found them compliant with VA regulations. [VA rule] · Ch. 16 Topic 2b | Yes, order normally. | Confirm the condo ID and proceed with underwriting. |
| Accepted With Conditions | The VA accepted the project with specific requirements that must be met before the VA will guarantee an individual loan. [VA rule] · Ch. 16 Topic 2b | Yes, after the lender confirms the conditions. | Ask the lender which conditions apply and what the HOA must provide. |
| HUD Accepted | The Handbook says projects approved by HUD or USDA generally do not need further VA review. The lender should confirm current standing. [VA rule] · Ch. 16 Topic 2b | Yes, after the lender confirms current VA standing. | Ask the lender to verify the project’s current standing with the VA. |
| Pending | Ask the lender to confirm the record first. | Ask the lender to confirm the current record with the VA. | |
| Rejected | The VA reviewed the organizational documents and determined the project does not meet VA regulatory requirements. [VA rule] · Ch. 16 Topic 2b | No. | Ask the lender for the VA’s written decision and whether the issue was cured. |
| Suspended | Ask the lender to confirm the record first. | Ask the lender to confirm the current record with the VA. | |
| Deleted | Ask the lender to confirm the record first. | Ask the lender to confirm the current record with the VA. | |
| Unknown | Ask the lender to confirm the record first. | Ask the lender to confirm the current record with the VA. |
Source: VA Condo Report status labels, Texas statewide search, September 2026. VA Lender’s Handbook Ch. 16, Topic 2b.
Before You Pay for the Appraisal
Confirm acceptance first
The notice of value for a property in a condominium that has not been approved by the VA will be conditioned: “The lender is responsible for ensuring that this condominium is acceptable to VA and that any condominium-related special conditions or requirements have been met.” [VA rule] · Ch. 16 Topic 2a
Ordering the appraisal before the project clears means paying for an appraisal the lender may not be able to act on if the project is ultimately rejected. [Practical step]
Accepted With Conditions Is an Approved Status
A project showing Accepted With Conditions on the VA Condo Report is approved. The conditions are requirements that must be met before the VA will guarantee an individual loan in that project. Typical conditions include recording the organizational documents, satisfying a presale requirement, or completing common areas.
The lender is responsible for confirming that the conditions are satisfied before closing the loan.
HUD Accepted and the Handbook Rule
The VA Lender’s Handbook says: “Generally, projects already approved by the Department of Housing and Urban Development (HUD) or the United States Department of Agriculture (USDA) do not need further VA review. Upon receipt of evidence of HUD/USDA approval, such as a copy of the HUD/USDA approved project list or the project approval letter, the VA office of jurisdiction adds the project to the nationwide VA list without issuing a formal VA approval letter.”
In rare cases, the VA may find that an HUD/USDA-approved project does not comply with VA regulations. The Handbook says the VA notifies the lender “as soon as practicable” when this happens. The lender should confirm the project’s current VA standing before proceeding.
VA Circular 26-09-19 (rescinded January 1, 2012) required new HUD/FHA approvals on or after December 7, 2009 to undergo separate VA review. The Handbook’s current text carries no such cutoff.
Not Found on the Report Is Not the Same as Rejected
No results means the search did not match a record. Retry with the tips below before concluding the project is missing. Only after the HOA confirms the exact legal name and condo ID and the lender checks the VA record can the project be treated as unsubmitted.
- Try fewer words in the name field. Official project names often differ from marketing names.
- Search by city and state alone to see all projects in the area.
- Ask the HOA or management company for the exact legal project name and condo ID.
- Check whether the development has multiple legal phases, each with its own record.
- If the project genuinely has never been submitted, the lender can create a new condo record and submit the organizational documents for review.
Does the VA Approve Individual Units?
No. The regulation requires that “the legal documentation establishing the condominium project or development must be approved by the Secretary” before the VA can guarantee a loan on any unit. There is no provision for approving a single unit while the rest of the project remains unreviewed. If the project is not on the VA Condo Report, the only path is a full project review where the lender submits the organizational documents to the VA office of jurisdiction.
Make Sure the Acceptance Covers Your Exact Phase
Large developments often have multiple legal phases, each with its own condo ID and its own record on the VA Condo Report. One phase can be Accepted Without Conditions while a later phase shows Pending or does not appear in the report.
VA approval is not required for amendments that annex additional phases to the condominium in accordance with a development plan previously accepted by the VA. Ask the HOA or developer for the specific legal project name and condo ID for the phase you are buying. Search the VA Condo Report on that exact phase, not the marketing name for the overall development.
Is My Townhouse a Condo?
The legal form of ownership determines whether a property is a condominium, not the building style. A townhouse that is part of a condominium regime, where the buyer receives title to a unit together with an undivided interest in common elements, is a condominium under VA regulations and must go through project approval. The VA defines a horizontal condominium as a project in which generally no part of a living unit extends over or under another unit. Townhouse-style condominiums fall into this category. The same project-level approval applies regardless of building type.
If the Project Is Not Accepted: Who Does What
The HOA or management company supplies the organizational documents. The lender or sponsor submits a written request and those documents to the VA office of jurisdiction through the VA’s WebLGY system. The VA reviews the documents for compliance with its regulations and sends a written notice of its decision. If documents are missing or inconsistent, the VA explains what is needed and suspends processing until the information arrives.
The Document Package
The VA office of jurisdiction reviews the organizational documents before issuing a decision. The table below shows the documents from the Handbook’s required list, split by whether they are typically required for all projects or required only in certain circumstances.
| Typically required | Required if applicable |
|---|---|
| Declaration of Covenants, Conditions, and Restrictions | Articles of Incorporation for HOA |
| Bylaws for HOA | “Umbrella” project documents |
| Plat, map, and/or air lot survey of project | Plat or survey of individual units |
| HOA budget (existing or proposed) | Annexation documents |
| Special assessments and litigation statement | Cross-easements |
| Minutes of last two HOA meetings | Facility leases |
| Management agreement | |
| Service contracts | |
| Current financial statements and reserves | |
| State reviewing agency’s report |
Source: VA Lender’s Handbook Ch. 16, Topic 2c, Table of Required Documents. Additional items apply for new projects under declarant control and for conversion projects.
When uploading through WebLGY, documents must be stacked in the following order: Declaration, Bylaws, Amendments, Plat Map, Rules and Regulations, Meeting Minutes, Budget, Special Assessment Letter, Litigation Letter, Presale Letter, Other.
What the VA Reviews in the Documents
The VA checks the organizational documents against regulatory requirements in 38 CFR Part 36.
- Project approval before guaranty: the legal documentation establishing the condominium must be approved by the Secretary before the VA will guarantee any unit loan in the project. [38 CFR] · 36.4360(c)
- Presale requirement: each phase is subject to a separate presale requirement. [38 CFR] · 36.4364(b)(1)
- Reserves and working capital: new or proposed projects must have an adequate reserve fund. A working capital fund equal to at least 2 months’ estimated common area charge per unit must be established. [38 CFR] · 36.4362(b)(4)(ii)
- Right of first refusal: no right of first refusal is permitted if the declaration was recorded on or after December 1, 1976. [38 CFR] · 36.4362(b)(5)
- Leasing restrictions: there shall be no prohibition on an owner’s right to lease, except a minimum lease term of up to 1 year and age restrictions imposed by state or local housing authorities. [38 CFR] · 36.4362(b)(6)
- Assessment lien priority: any assessment lien must be subordinate to the VA-guaranteed mortgage. [38 CFR] · 36.4362(b)(4)(iii)
- Declarant control and long-term contracts: control of the HOA must pass to unit owners no later than 120 days after 75 percent of units have been conveyed. Management contracts must be terminable by the owner-controlled board with no more than 90 days’ notice. [38 CFR] · 36.4363(a)(1), 36.4362(a)(2)
Timing and the Contract
The VA publishes no guaranteed turnaround time for project reviews. The timeline depends on how quickly the HOA provides complete documents and the current workload at the VA office of jurisdiction.
- Write a contingency into the purchase contract that covers the possibility the project review takes longer than expected or results in a rejection.
- Ask the HOA or management company for the document package as early as possible.
- Confirm with the lender that they handle VA condo project submissions.
- Do not commit non-refundable money until the project status is confirmed or the contract contingency protects the deposit.
Frequently Asked Questions
Does FHA approval count as VA condo approval?
The VA Lender’s Handbook says projects already approved by HUD or USDA generally do not need further VA review. The VA adds them to the nationwide condo list without issuing a formal approval letter. The lender should confirm the project’s current VA standing because in rare cases the VA may determine an HUD/USDA-approved project does not comply with VA regulations.
Does the VA do spot approvals on individual condo units?
No. The VA requires that the legal documentation establishing the entire condominium project be approved before the VA will guarantee a loan on any unit. There is no mechanism for approving an individual unit while the rest of the project remains unreviewed.
What if the project is not on the VA Condo Report?
No results means the search did not match a record. Try fewer words, a different spelling, or city and state only. Ask the HOA for the exact legal project name and condo ID. Only after the HOA confirms the name and the lender checks the VA record can the project be treated as unsubmitted. If it genuinely has not been submitted, the lender can create a new record through WebLGY.
What does Accepted With Conditions mean?
It means the project is approved, but specific conditions must be satisfied before the VA will guarantee an individual loan. Conditions may include recording organizational documents, meeting a presale requirement, or completing common areas. The lender is responsible for confirming that the conditions have been met before closing.
What does HUD Accepted mean?
The project was accepted by the VA based on HUD or USDA approval. The Handbook says projects approved by HUD or USDA generally do not need further VA review. The lender should confirm the project’s current VA standing.
Who submits the project for VA review?
The lender or sponsor submits a written request for VA approval along with the condominium’s organizational documents to the VA office of jurisdiction. The HOA or management company supplies the documents. The submission goes through the VA’s WebLGY system electronically.
Can I order the appraisal before the project is accepted?
The appraisal can be ordered, but the notice of value will carry a condition making the lender responsible for ensuring the condominium is acceptable. If the project is ultimately rejected, the appraisal cost is not recoverable. Confirming acceptance first avoids that risk.
Is my townhouse considered a condo for VA purposes?
It depends on the legal form of ownership, not the building style. If the townhouse is part of a condominium regime where the buyer receives title to a unit together with an undivided interest in common elements, it is a condominium under VA regulations and the project must be approved. Townhouses in a planned unit development with fee-simple ownership do not require VA condo approval.
Do different phases of the same development need separate approval?
Each phase may have its own record on the VA Condo Report with its own condo ID and status. VA approval is not required for amendments that annex additional phases in accordance with a development plan the VA previously accepted. Ask the HOA for the specific condo ID for your phase and search on that.
How We Researched This Page
The VA Condo Report at lgy.va.gov was the source for the search field labels, status labels, and condo ID format. The VA Lender’s Handbook Chapter 16 (updated August 19, 2026) was the source for the approval procedures, document requirements, HUD/USDA acceptance rule, and notice-of-value language. 38 CFR Part 36, Subpart B (2025 edition) was the source for the regulatory requirements. The LGY Quick Reference Document for Condo Approval for Lenders (March 2020) was the source for the WebLGY upload order.
Resources Used
- VA Condo Report (LGY Hub), the official project status database maintained by the Department of Veterans Affairs Loan Guaranty Service.
- VA Lender’s Handbook (M26-7), Chapter 16, Common Interest Communities, Condominiums and Planned Unit Developments.
- 38 CFR Part 36, Subpart B, Sections 36.4360 through 36.4365 (7-1-25 Edition), condominium loan regulations.
- LGY Quick Reference Document for Condo Approval for Lenders (March 2020), Version 1.1.