VA Guide
What Documents Are Required for a VA Loan?
COE, LES or DD-214, paystubs, W-2s, bank statements, ID, and your purchase contract — Ryan & Steve walk you through every document so underwriting moves fast.
Core VA Loan Documents
Every VA file starts with these — gather them early and underwriting stays on track.
Additional Documents You May Need
Some files require extra paperwork depending on your income type and funds source.
- Two years of tax returns if self-employed or receiving 1099 income
- Gift letter and donor bank statements if using gift funds for closing
- Divorce decree or child support orders if applicable to debts or income
- Explanation letters for large deposits, credit inquiries, or address gaps
- Rental lease agreements if you own other properties
What We Check First
A document review upfront prevents last-minute scrambling before closing.
- COE status and available entitlement amount
- Income documentation matched to your employment type
- Asset statements covering closing costs and reserves
- Gift fund trail if someone is helping with cash to close
- Any credit or address items that need explanation letters
Document Gathering Action Plan
Organize your paperwork once and reuse it through pre-approval and closing.
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Keep Exploring
Related guides on VA paperwork and qualification.
VA Certificate of Eligibility
How to obtain your COE and what entitlement information it shows.
VA Gift Funds Guide
Gift letter requirements and acceptable donor rules for VA loans.
Who Qualifies for a VA Loan?
Service requirements, entitlement, and basic eligibility rules.
VA Loans Overview
Program details and payment tools with Ryan & Steve.
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Frequently Asked Questions
Ready to Gather Your Docs?
Ryan & Steve will tell you exactly what to upload, pull your COE if needed, and get your pre-approval moving fast.