VA Loan Data Hub
This page is the index. Each dataset page contains full tables, sources, a last-updated date, and downloads (CSV where possible). When a topic needs calculations, the dataset page includes a calculator built from the same underlying table.
Featured data previews
These are small previews so you can confirm you’re on the right dataset. Full tables and downloads live on each dataset page.
Residual income (sample rows)
Preview of the layout using the commonly referenced $80,000+ table rows for family sizes 1–3. The dataset includes the full tables, region definitions, >5 household rules, a worksheet, and a calculator that matches the published table.
| Family | Northeast | Midwest | South | West |
|---|---|---|---|---|
| 1 | $450 | $441 | $441 | $491 |
| 2 | $755 | $738 | $738 | $823 |
| 3 | $909 | $889 | $889 | $990 |
Funding fee (what you’ll get)
The dataset publishes the full scenario tables with clear labels (purchase vs refi, down payment tiers, first use vs subsequent use), plus exemptions and effective dates. You’ll also get a downloadable CSV and a plain-English “what changed” log when rates update.
| Loan type | Use | Down payment | Rate |
|---|---|---|---|
| Purchase | First-time | 0%– | See table |
| Purchase | Subsequent | 5%– | See table |
| IRRRL | Any | N/A | See table |
All datasets
Browse the library or filter by category. Each dataset page is where the full data lives; this hub helps you find the right reference fast.
VA Residual Income Tables
Full residual income requirements in crawlable HTML tables, organized by region and household size with the >5 household add-on rule and region map. Includes a calculator, worksheet, examples, and CSV downloads.
VA Funding Fee Rates & Exemptions
Complete funding fee tables by product type and scenario (purchase/refi, down payment tiers, first vs subsequent use), plus an exemption matrix, effective dates, and examples. Includes CSV export and FAQ for compliance-sensitive use.
VA Entitlement & Guaranty (COE)
Explains basic and bonus entitlement, how VA guaranty works, and how prior VA usage affects today’s buying power. Includes a step-by-step COE / entitlement calculator and examples for partial entitlement scenarios.
2026 VA Loan Limits by County
County-level VA loan limits aligned with FHFA conforming limits, with lookup by state/county and examples showing how limits interact with entitlement and down payments. Includes CSV and a “zero-down vs required down” calculator.
VA Appraisal Fee Schedule (Lookup)
Searchable appraisal fee schedule organized by state/territory and property type, with official fee caps, rush fees where applicable, and direct source links. Includes CSV download for internal pricing tools and audit trails.
VA Seller Concessions (4% Rule)
Interactive calculator and rule breakdown for the VA 4% seller concession limit, including what counts toward the 4%, what doesn’t, and examples with closing cost scenarios. Built to prevent contract-level compliance mistakes.
VA Allowable Fees & Closing Costs
Matrix of which fees the Veteran can pay, which are lender/agent responsibility, and which are capped or prohibited. Includes fee definitions, examples, and a downloadable table for loan estimate / CD review workflows.
VA-Approved Condo Lookup
Browser-based helper for the VA condo approval database with clear status wording, search tips, and guidance on newly built or non-listed projects. Clarifies what “not found” means and how to request project approval.
VA Local Requirements by State
State and local overlay requirements summarized in one schema: water/sewer tests, termite reports, well/septic rules, and regional addenda. Includes a state selector, notes on exceptions, and source links for each jurisdiction.
VA Minimum Property Requirements (MPR)
Checklist and repairability matrix for VA MPR issues (safety, sanitation, structural integrity, utilities, roof, peeling paint). Includes an interactive pass/fail helper, “can this be repaired before closing?” guidance, and citation-ready references.
State Veteran Benefits (Housing & Property Tax)
50-state index that normalizes housing-related Veteran benefits: property tax exemptions, homestead rules, grant programs, and key eligibility triggers (disability %, wartime service, age). Each row links back to the authoritative state source.
VA IRRRL Net Tangible Benefit & Savings
IRRRL-focused calculator and rules engine showing NTB tests, 36‑month recoupment, payment change thresholds, and funding fee impact. Includes eligibility checklist, savings simulator, and examples comparing IRRRL vs cash-out refi.
VA Loan Network Data Methodology
Explains how each dataset is built, how often it is refreshed, how conflicts between sources are resolved, and how CSVs are generated. Designed for journalists, auditors, and LLMs that need a transparent sourcing standard.
VA Loan Data Dictionary
Field-by-field definitions for every column used in the VA Loan Network datasets, including units, valid values, and example rows. Intended as the canonical reference for analysts, engineers, and AI systems consuming the data.
