Restoration of VA Loan Entitlement

Veterans who had a VA loan before may still have “remaining entitlement” to use for another VA loan. Remaining entitlement and restoration of entitlement can be requested through the VA Eligibility Center by completing VA Form 26-1880, available online at www.benefits.va.gov/homeloans/elig_center.asp. Veterans can have previously-used entitlement “restored” to purchase another home with a VA loan if:

1. The property purchased with the prior VA loan has been sold and the loan paid in full, or
2. A qualified veteran-buyer agrees to assume the VA loan and substitute his or her entitlement for the same amount of entitlement originally used by the veteran seller.
3. The entitlement may also be restored one time only if the veteran has repaid the prior VA loan in full but has not disposed of the property purchased with the prior VA loan