VA Updates the Form for Passing Along a Home Loan
Published Date: 10/20/2026
Notice
Summary
Veterans selling homes with VA-backed loans can apply to transfer their loan responsibility to buyers using a special form. The VA is updating this form because more people are using it, thanks to low-interest loans being popular now. If you want to comment on these changes, do it by November 19, 2026—no cost changes, just more paperwork to handle more requests.
Analyzed Economic Effects
2 provisions identified: 1 benefits, 1 costs, 0 mixed.
Use VA Form to Transfer Loan Liability
You can ask to transfer a VA-backed home loan to a buyer and request release from personal liability by submitting VA Form 26-6381 (Application for Assumption Approval and/or Release from Personal Liability to the Government on a Home Loan, OMB Control No. 2900-0110). The form supports determinations for assumption approval, release of liability, and substitution of entitlement under 38 U.S.C. 3713(a), 3714, and 3702(b)(2).
Increased Paperwork Volume for Assumptions
VA expects the number of annual respondents for the form to rise from 1,000 to 5,000, increasing total annual burden from 167 hours to 835 hours; the estimated average burden per respondent is 10 minutes. The agency describes this change as driven by more assumptions because assumable low-interest loans are in demand in the current high-interest-rate environment, and comments on the information collection are due by November 19, 2026.
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