What Happens to Your VA Home Loan Account When You Die
Quick Facts
Loan assumption
Spouse may assume loan
Payments
Continue making payments
Contact
1-877-827-3702
Step-by-Step Guide
Continue mortgage payments
Continue making mortgage payments to avoid default. The surviving spouse may assume the VA home loan. Contact the VA at 1-877-827-3702.
Apply for loan assumption
The surviving spouse can assume the VA-backed mortgage without a new credit check in many cases. Contact the mortgage servicer.
Document Now Checklist
- VA loan servicer name and contact
- Monthly mortgage payment amount
- Remaining loan balance
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Start your vault — free for 30 daysLast verified: June 2026. Platform policies may change. Verify current procedures directly with VA Home Loan. This guide is for informational purposes only and does not constitute legal advice.
Related Guides
Social Security
Social Security must be notified of death immediately. Benefits paid after death must be returned. Survivor benefits may be available.
IRS / Tax Returns
A final individual tax return must be filed for the year of death. Estates over $13.61M may owe federal estate tax.
Veterans Affairs (VA)
Veterans are entitled to burial benefits, a headstone or marker, a burial flag, and Presidential Memorial Certificate — all at no cost.
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