VA · Official form

VA Form 26-6381, Application for Assumption Approval and/or Release from Personal Liability to the Government on a Home Loan

VA Form 26-6381 is used when someone wants to take over (assume) an existing VA home loan and the current borrower wants VA's approval and a release from personal liability to the government.

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What is VA Form 26-6381?

VA loans can be assumable: a buyer takes over the seller's existing mortgage at its current rate instead of getting a new loan. For loans that require approval, the servicer or VA must find the new borrower creditworthy before the transfer. Without an approved assumption and release, the original veteran can remain personally liable to the government if the loan later defaults.

This application collects the proposed transfer details and the new borrower's financial information so the assumption can be underwritten. A related but separate issue is entitlement: the seller's VA entitlement generally stays tied up in the loan unless the assuming buyer is an eligible veteran who substitutes their own entitlement.

Who files VA Form 26-6381?

Veterans selling a home whose buyer wants to assume the existing VA loan
Buyers, veteran or not, applying to assume a VA-guaranteed mortgage
Veterans seeking release from personal liability after transferring a property with a VA loan
Divorcing spouses arranging for one party to assume the VA loan on the family home

How to fill out VA Form 26-6381

Contact the loan servicer first; many servicers process VA assumptions themselves under automatic authority.
Complete the sections identifying the loan, the current borrower, and the proposed new borrower.
Provide the new borrower's income, employment, and obligation details so creditworthiness can be reviewed.
Sign and date the application, with both transferor and transferee signing where indicated.
Submit it to the loan servicer, or to the VA Regional Loan Center handling the loan if the servicer does not have approval authority; keep the written approval and release with your records.

Quick fill VA Form 26-6381 on this page

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Page 1 29 fields

Read Instructions above. SECTION ONE (To be completed by V. A.). RETURN TO. ADDRESS (Complete) DEPARTMENT OF VETERANS AFFAIRS Attention:

1. V. A. LOAN NUMBER.

SECTION TWO (To be completed by Seller). Read Privacy Act Notice and Respondent Burden above. 2. A. NAME OF SELLER (First - Middle - Last)

2. B. SOCIAL SECURITY NUMBER. Enter 9 digit social security number.

3. A. TELEPHONE NUMBER (Include Area Code).

4. A. MAILING ADDRESS OF SELLER (Number and street or rural route, city or P. O. Box, State and ZIP Code).

4. B. ADDRESS OF PROPERTY WHICH IS SECURITY FOR THE LOAN ON WHICH YOU WISH TO BE RELEASED FROM LIABILITY (If rural property, give

5. B. MAILING ADDRESS OF ASSUMER OF LOAN (Number and street or rural route, city or P. O. Box, State and ZIP Code).

6. A. STATUS OF SALE TRANSACTION (Check one). Have agreed on purchase price but no sale has been completed and no contract or deed signed

6. B. AGREED PURCHASE PRICE. Enter dollar amount.

6. C. SALE PRICE. Enter dollar amount.

7. B. AMOUNT. Enter dollar amount.

8. C. LENDER'S LOAN NUMBER (If known).

8. A. NAME OF SERVICER YOU MAKE YOUR PAYMENTS TO.

8. B. ADDRESS OF LENDER.

9. A. AMOUNT OF MONTHLY LOAN PAYMENT. Enter dollar amount.

9. B. APPROXIMATE LOAN BALANCE (May be obtained from year-end statement). Enter dollar amount.

10. ASSESSMENTS AND / OR OTHER LIENS OUTSTANDING. Read Note above. A. Amount. Enter dollar amount. Line 1 of 2.

10. B. PURPOSE (Streets, sidewalks, sewers, etc).

10. C. HOW PAYABLE.

10. A. Amount. Enter dollar amount. Line 2 of 2.

10. B. PURPOSE (Streets, sidewalks, sewers, etc).

10. C. HOW PAYABLE.

11. HAVE V. A. FORMS 26-63 82 AND 26-68 07 BEEN PROVIDED TO YOUR PURCHASER FOR COMPLETION? YES.

12. B. DATE. Enter 2 digit month, 2 digit day and 4 digit year.

7. A. Specify Other.

7. A. PAYMENT ENCLOSED FOR CREDIT REPORT AND / OR PROCESSING CHARGE (Check one if applicable). Money Order.

5. INFORMATION ABOUT PURCHASER OR OWNER OF PROPERTY WHO WILL ASSUME YOUR LOAN. A. NAME OF ASSUMER OF LOAN (First - Middle - Last) (Type or

3. B. EMAIL ADDRESS.

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Frequently asked questions

Why do I need a release of liability?

If someone assumes your VA loan without an approved release, you can stay personally liable to the government if the loan defaults, even years after you sold the home. The approved assumption and release cuts that tie.

Does an assumption free up my VA entitlement?

Not by itself. Your entitlement stays committed to the loan unless the assuming buyer is an eligible veteran who formally substitutes their own entitlement. Otherwise you may have reduced entitlement for a future VA loan until that loan is paid off.

Can a non-veteran assume a VA loan?

Yes, if the servicer or VA approves them as creditworthy. The loan keeps its VA guaranty, but a non-veteran buyer cannot substitute entitlement, so the seller's entitlement remains tied to the loan.

VA Form 26-6381, Application for Assumption Approval and/or Release from Personal Liability to the Government on a Home Loan

What is VA Form 26-6381?

Who files VA Form 26-6381?

How to fill out VA Form 26-6381

Quick fill VA Form 26-6381 on this page

Frequently asked questions

Related forms

VA Form 26-1820, Report and Certification of Loan Disbursement

VA Form 26-1880, Request for a Certificate of Eligibility

VA Form 26-8937, Verification of VA Benefits