When purchasing a property with a VA Home Loan, it’s important to have an understanding of the potential repair requirements that may need to be completed. The VA wants to be sure that the investment they make in your loan is sound, and that you, the buyer, will be protected from costly repairs down the road.

Some common VA home loan repair requirements include:
  • Rotting wood
  • Plumbing issues
  • Water leaks
  • Lead-based paint removal
  • Pest issues
  • Roof Repair
  • And more


If any of these issues are present, the VA may not insure a home loan in order to protect the health and safety of the property owners. Furthermore, while the seller is typically responsible for making repairs prior to closing, the buyer and seller may decide to split the costs, or the buyer and seller could walk away from the transaction all together.


One option a buyer has in this situation is to get a VA rehab loan. This loan offers 100% financing for the purchase price of a home plus improvement costs. It is a great financing option, providing the convenience of a singular closing for the purchase and rehabilitation of a home. The VA offers this guarantee loan program to allow the buyer to fund up to $35,000 in repairs and improvements. The VA renovation loan helps a home meet the minimum standards to qualify for VA financing. In order to be approved, you must submit plans for specific renovations as well as information on the contractor you’ll be using.


A VA Loan Specialist will help you navigate any negotiations that may occur due to common VA loan repair requirements. They can also assist in the necessary paperwork and process needed for a VA renovation loan.