{"id":2724,"date":"2025-08-18T16:27:07","date_gmt":"2025-08-18T16:27:07","guid":{"rendered":"https:\/\/griffinfunding.com\/?p=2724"},"modified":"2026-03-02T23:22:21","modified_gmt":"2026-03-02T23:22:21","slug":"va-income-requirements","status":"publish","type":"post","link":"https:\/\/griffinfunding.com\/blog\/va-loans\/va-income-requirements\/","title":{"rendered":"VA Loan Income Requirements for 2026: What You Need to Know"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Since 1944, the Department of Veterans Affairs has issued VA loans to help service members and veterans purchase homes without down payments or private mortgage insurance (PMI). VA loan requirements change annually, so it\u2019s important to understand the 2026 requirements if you&#8217;re considering this financing option. This guide answers questions about qualifying for a VA loan, including eligibility requirements, income standards, and application processes to help you determine if this financing option is right for you.<\/span><\/p>\n<h2>VA Loan Income Requirements<\/h2>\n<p><span style=\"font-weight: 400;\">One of the <\/span><span style=\"font-weight: 400;\">benefits of VA loans<\/span><span style=\"font-weight: 400;\"> is choosing your own private lender, though each may set different income and credit requirements for approval. These income requirements help you prepare for the VA loan application process, increasing your chances of securing favorable financing.<\/span><\/p>\n<p><span id=\"2\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-2727 aligncenter\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2020\/10\/VA-Loan-Requirement.jpg\" alt=\"\" width=\"1000\" height=\"667\" srcset=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2020\/10\/VA-Loan-Requirement.jpg 1000w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2020\/10\/VA-Loan-Requirement-300x200.jpg 300w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2020\/10\/VA-Loan-Requirement-768x512.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/span><\/p>\n<h3>Income Sources and Qualifying Income<\/h3>\n<p><span style=\"font-weight: 400;\">In general, the following income sources will be taken into account when you apply for a VA loan:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Employment income (full-time, part-time with 2-year history)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Self-employment income (2-year history required)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Military retirement pay<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">VA disability compensation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Social Security benefits<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pension and retirement account distributions<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Alimony and child support (with 3+ years remaining)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Investment and rental property income<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Interest and dividend income<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Overtime and bonus pay (2-year history)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Commission income (2-year average)<\/span><\/li>\n<\/ul>\n<p>Your lender might also look at any assets you might own, such as your savings accounts and investments. As with any mortgage, such as a traditional <a href=\"https:\/\/griffinfunding.com\/traditional-mortgages\/fixed-rate-mortgages\/\">fixed-rate mortgage<\/a> or VA loan, you want to show your lender that you can afford to pay off your loan by proving a reliable working history.<\/p>\n<p><span style=\"font-weight: 400;\">Use a<\/span><a href=\"https:\/\/griffinfunding.com\/blog\/va-loans\/va-loan-affordability-calculator\/\"> <span style=\"font-weight: 400;\">VA loan affordability calculator<\/span><\/a><span style=\"font-weight: 400;\"> to help you determine how much house you can afford based on your qualifying income.<\/span><\/p>\n<h3><b>Non-Qualifying Income Sources for VA Loans<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Certain types of income don&#8217;t meet the VA loan requirements income standards and typically won&#8217;t count toward your loan application. The following income sources generally don&#8217;t qualify:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">One-time bonuses or windfalls (lottery winnings, inheritance)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Income from jobs that will end soon<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Unemployment compensation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">VA educational allowances (GI Bill payments)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Temporary or seasonal work income<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Income from brand new employment (less than 2 years)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cannabis industry income (due to federal\/state law conflicts)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Gifts or financial assistance from family<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Income with no verifiable documentation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sporadic freelance or gig work without consistent history<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Remember that lenders evaluate income sources case by case, so some borderline situations may still qualify depending on your specific circumstances and lender guidelines.<\/span><\/p>\n<h3>Debt-to-Income Ratio<\/h3>\n<p>In addition to VA loan income requirements, there are also VA home loan debt-to-income requirements you might have to meet. Typically, your debt-to-income ratio refers to the percentage of your gross monthly income that\u2019s used to pay off your debts.<\/p>\n<p>To qualify for a VA home loan, the standard <a href=\"https:\/\/www.blogs.va.gov\/VAntage\/6371\/debt-to-income-ratio-does-it-make-any-difference-to-va-loans\/\">debt-to-income ratio is 41%<\/a>. However, with compensating factors, higher debt-to-income ratios have been approved through automated underwriting systems<\/p>\n<p><span style=\"font-weight: 400;\">To calculate your debt-to-income ratio, simply add up all of your debt obligations \u2014 such as credit card debt, student loans, and car payments \u2014 and divide them by your gross monthly income, which is the amount of money you take home before taxes and other deductions are accounted for.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can also use our <\/span><a href=\"https:\/\/griffinfunding.com\/blog\/mortgage\/dti-ratio-calculator\/\"><span style=\"font-weight: 400;\">DTI ratio calculator<\/span><\/a><span style=\"font-weight: 400;\"> to quickly calculate this metric. For more calculations, a<\/span><a href=\"https:\/\/griffinfunding.com\/blog\/va-loans\/va-loan-calculator\/\"> <span style=\"font-weight: 400;\">VA loan calculator<\/span><\/a><span style=\"font-weight: 400;\"> can help you estimate your total monthly housing payment including principal, interest, taxes, and insurance.<\/span><\/p>\n<h3>Credit History<\/h3>\n<p><span style=\"font-weight: 400;\">Your credit score is often one of the most important factors in determining whether you\u2019re eligible for a loan, as this number tells lenders how responsible you are with paying off debts. Each lender sets its own VA loan credit and income requirements. At Griffin Funding, our VA loan credit requirement for <\/span><a href=\"https:\/\/griffinfunding.com\/traditional-mortgages\/va-loans\/va-purchase-loan\/\"> <span style=\"font-weight: 400;\">VA purchase loan<\/span><\/a><span style=\"font-weight: 400;\">s<\/span><span style=\"font-weight: 400;\"> is to have a <\/span><b>minimum FICO score of 550<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Getting<\/span><a href=\"https:\/\/griffinfunding.com\/blog\/va-loans\/va-loan-preapproval\/\"> <span style=\"font-weight: 400;\">VA loan pre-approval<\/span><\/a><span style=\"font-weight: 400;\"> early in the process helps you understand your qualification status and strengthens your offer when house hunting.<\/span><\/p>\n<h3>Residual Income Requirement for VA Loan<\/h3>\n<p>If your debt-to-income ratio is too high, your lender might not approve you for a VA loan. However, in some cases, you might be able to qualify for a VA loan with residual income, even with a high debt-to-income ratio.<\/p>\n<p>Residual income refers to the amount of money you have leftover once you pay your debt obligations, such as your mortgage, property taxes and insurance, and revolving debt, that\u2019s used for basic necessities like food and clothing.<\/p>\n<p>The residual income requirement for a VA loan will vary depending on a variety <span id=\"6\">of<\/span> factors, such as the area you live in, the size of your family, and your mortgage amount. The VA looks at residual income because it wants to ensure veterans will be able to keep their household afloat while paying for their mortgage and other obligations. If your residual income is considered to be too low with a VA loan, you might be denied.<\/p>\n<p><span style=\"font-weight: 400;\">Meeting these income requirements for VA loan approval often requires careful budgeting and financial planning.<\/span><br \/>\n<div class=\"cta_banner gold_cta\" style=\"background:url(https:\/\/griffinfunding.com\/wp-content\/uploads\/2024\/02\/gold-background-1.png)\"><h3>Download the Griffin Gold app today!<\/h3><p>Take charge of your financial wellness and achieve your homeownership goals <br><br>\r\nUse invitation code: <b>GRIFGOLD<\/b> to register.<\/p><div class=\"stores\"><a href=\"https:\/\/apps.apple.com\/us\/app\/griffin-gold\/id6460034387\"><img decoding=\"async\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2024\/02\/apple-icon.svg\" \/><\/a><a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.griffinfunding.gold\"><img decoding=\"async\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2024\/02\/google-store.svg\" \/><\/a><\/div><\/div>\n<h2><b>VA Loan Limits in 2026<\/b><\/h2>\n<p>Depending on your circumstances, you might not have any VA loan limitations. With the passing of <a href=\"https:\/\/benefits.va.gov\/BENEFITS\/blue-water-navy.asp\">The Blue Water Navy (BWN) Vietnam Veterans Act of 2019<\/a>, which became effective on January 1, 2020, most veterans are not subject to VA loan limits. In most cases, if you have full entitlement, there will not be any loan limits.<\/p>\n<p><strong>Please note that some lenders may add overlays on top of the VA handbook and limit your loan amount to $2 million, $3 million, or $5 million.<\/strong><\/p>\n<p>Full entitlement means you haven\u2019t used your VA home loan benefit (both your basic and bonus entitlement) or paid a previous VA home loan in full and sold the property.<\/p>\n<p><span style=\"font-weight: 400;\">However, if you have remaining entitlement, you might be subject to a loan limit. Some situations where you have remaining entitlement include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You have a current VA loan that you\u2019re still paying back<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You own a property that was paid for with a VA loan<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The <\/span><a href=\"https:\/\/griffinfunding.com\/blog\/va-loans\/va-loan-limits\/\"><span style=\"font-weight: 400;\">2026 loan limits for a VA loan<\/span><\/a><span style=\"font-weight: 400;\"> if you have remaining entitlement are based on the county you\u2019re looking to purchase in.<\/span><\/p>\n<h2>What Do You Need to Qualify for a VA Loan?<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-2728 aligncenter\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2020\/10\/VA-Loans.jpg\" alt=\"\" width=\"1000\" height=\"667\" srcset=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2020\/10\/VA-Loans.jpg 1000w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2020\/10\/VA-Loans-300x200.jpg 300w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2020\/10\/VA-Loans-768x512.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/p>\n<p>In order to qualify for a VA loan, you must get a Certificate of Eligibility (COE). Your COE tells your lender that you meet the service history and duty status requirements for a VA home loan.<\/p>\n<p><span style=\"font-weight: 400;\">A<\/span><span style=\"font-weight: 400;\">side from the <\/span><span style=\"font-weight: 400;\">VA loan income requirements <\/span><span style=\"font-weight: 400;\">for a VA loan<\/span><span style=\"font-weight: 400;\"> discussed above, there are certain VA home loan requirements you must meet in order to obtain a COE<\/span><span style=\"font-weight: 400;\">. <\/span><\/p>\n<ul>\n<li>You are a service member that has served at least 90 days during wartime or 181 days during peacetime.<\/li>\n<li>You are a veteran that meets the basic length of service requirements, which, in most cases, are 90 days during wartime or 181 days during peacetime.<\/li>\n<li>You are a member of the Reserves or National Guard who served at least six years.<\/li>\n<li>You are an eligible surviving spouse of a service member who died during service or as a result of a service-related injury or disability, is missing in action, or a prisoner of war, and have not remarried.<\/li>\n<li>You were a member of a government&#8217;s armed forces allied with the U.S. during WWII and are a U.S. citizen.<\/li>\n<\/ul>\n<p>You can <a href=\"https:\/\/www.ebenefits.va.gov\/ebenefits\/about\/feature?feature=cert-of-eligibility-home-loan\">apply for your COE<\/a> through the VA website, or you can ask your lender to help you get your COE. At Griffin Funding, we can help you apply for and obtain your COE. Once you meet the eligibility requirements for a COE, along with the VA loan income requirements, you\u2019ll be able to work with your preferred lender and <a href=\"https:\/\/griffinfunding.com\/blog\/how-to-apply-for-your-first-va-loan\/\">apply for a VA loan<\/a>.<\/p>\n<h2><b>See If You Meet VA Loan Income Requirements<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">If you\u2019re an active <\/span><span style=\"font-weight: 400;\">service member<\/span><span style=\"font-weight: 400;\">, veteran, or qualifying spouse looking to finance a new home, a VA home loan can help get you there. Once you meet the VA loan income requirements and obtain your Certificate of Eligibility, you\u2019ll be on your way to securing a new home.\u00a0<\/span><\/p>\n<p>With <a href=\"https:\/\/griffinfunding.com\/blog\/mortgage\/current-mortgage-rates\/\">VA loan rates<\/a> currently averaging in the mid-5% range as of early March 2026 \u2014 near their lowest level in over three years \u2014 this is one of the strongest buying environments for veterans since 2022. <span style=\"font-weight: 400;\">If you already own a home with a VA loan, you might benefit from a<\/span><a href=\"https:\/\/griffinfunding.com\/traditional-mortgages\/va-loans\/va-cash-out-refinance-loan\/\"> <span style=\"font-weight: 400;\">VA streamline refinance<\/span><\/a><span style=\"font-weight: 400;\"> to lower your rate or a<\/span><a href=\"https:\/\/griffinfunding.com\/traditional-mortgages\/va-loans\/va-streamline-refinance-loan-irrrl\/\"> <span style=\"font-weight: 400;\">VA cash-out refinance<\/span><\/a><span style=\"font-weight: 400;\"> to access your home&#8217;s equity for other financial goals.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A<\/span><span style=\"font-weight: 400;\">t Griffin Funding, we offer competitive rates and terms on our VA home loans, along with <\/span><a href=\"https:\/\/griffinfunding.com\/traditional-mortgages\/va-loans\/va-eligibility\/\"><span style=\"font-weight: 400;\">flexible requirements to qualify for a VA loan<\/span><\/a><span style=\"font-weight: 400;\">. <\/span><span style=\"font-weight: 400;\">Speak with one of our helpful loan specialists to learn more or get started online today.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Since 1944, the Department of Veterans Affairs has issued VA loans to help service members and veterans purchase homes without down payments or private mortgage insurance (PMI). VA loan requirements change annually, so it\u2019s important to understand the 2026 requirements if you&#8217;re considering this financing option. This guide answers questions about qualifying for a VA<a class=\"moretag\" href=\"https:\/\/griffinfunding.com\/blog\/va-loans\/va-income-requirements\/\">&#8230;<\/a><\/p>\n","protected":false},"author":2,"featured_media":2726,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[99],"tags":[],"class_list":["post-2724","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-va-loans"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.0 (Yoast SEO v28.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>VA Loan Income Requirements (2026) | Griffin Funding<\/title>\n<meta name=\"description\" content=\"VA loans are for active duty service members and veterans, but there are other requirements as well. Find out if you qualify and secure a VA loan today.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/griffinfunding.com\/blog\/va-loans\/va-income-requirements\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"VA Loan Income Requirements for 2026: What You Need to Know\" \/>\n<meta property=\"og:description\" content=\"VA loans are for active duty service members and veterans, but there are other requirements as well. Find out if you qualify and secure a VA loan today.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/griffinfunding.com\/blog\/va-loans\/va-income-requirements\/\" \/>\n<meta property=\"og:site_name\" content=\"Griffin Funding\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/griffinfunding\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/griffinfunding\" \/>\n<meta property=\"article:published_time\" content=\"2025-08-18T16:27:07+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-02T23:22:21+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2020\/10\/Header.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"667\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Bill Lyons\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@https:\/\/x.com\/griffinfunding\" \/>\n<meta name=\"twitter:site\" content=\"@griffinfunding\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Bill Lyons\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/va-loans\\\/va-income-requirements\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/va-loans\\\/va-income-requirements\\\/\"},\"author\":{\"name\":\"Bill Lyons\",\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/#\\\/schema\\\/person\\\/83571cd7f738a7f95cae1a44ad0b7ef1\"},\"headline\":\"VA Loan Income Requirements for 2026: What You Need to Know\",\"datePublished\":\"2025-08-18T16:27:07+00:00\",\"dateModified\":\"2026-03-02T23:22:21+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/va-loans\\\/va-income-requirements\\\/\"},\"wordCount\":1431,\"publisher\":{\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/va-loans\\\/va-income-requirements\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/griffinfunding.com\\\/wp-content\\\/uploads\\\/2020\\\/10\\\/Header.jpg\",\"articleSection\":[\"VA Loans\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/va-loans\\\/va-income-requirements\\\/\",\"url\":\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/va-loans\\\/va-income-requirements\\\/\",\"name\":\"VA Loan Income Requirements (2026) | Griffin Funding\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/va-loans\\\/va-income-requirements\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/va-loans\\\/va-income-requirements\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/griffinfunding.com\\\/wp-content\\\/uploads\\\/2020\\\/10\\\/Header.jpg\",\"datePublished\":\"2025-08-18T16:27:07+00:00\",\"dateModified\":\"2026-03-02T23:22:21+00:00\",\"description\":\"VA loans are for active duty service members and veterans, but there are other requirements as well. Find out if you qualify and secure a VA loan today.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/va-loans\\\/va-income-requirements\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/va-loans\\\/va-income-requirements\\\/\"]}],\"about\":{\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/#organization\"}},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/va-loans\\\/va-income-requirements\\\/#primaryimage\",\"url\":\"https:\\\/\\\/griffinfunding.com\\\/wp-content\\\/uploads\\\/2020\\\/10\\\/Header.jpg\",\"contentUrl\":\"https:\\\/\\\/griffinfunding.com\\\/wp-content\\\/uploads\\\/2020\\\/10\\\/Header.jpg\",\"width\":1000,\"height\":667},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/va-loans\\\/va-income-requirements\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/griffinfunding.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"VA Loans\",\"item\":\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/category\\\/va-loans\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"VA Loan Income Requirements for 2026: What You Need to Know\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/#website\",\"url\":\"https:\\\/\\\/griffinfunding.com\\\/\",\"name\":\"Griffin Funding\",\"description\":\"Mortgages &amp; Home Loan Lenders\",\"publisher\":{\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/griffinfunding.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/#organization\",\"name\":\"Griffin Funding\",\"url\":\"https:\\\/\\\/griffinfunding.com\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/griffinfunding.com\\\/wp-content\\\/uploads\\\/2020\\\/09\\\/griffinteamlogo-42.jpg\",\"contentUrl\":\"https:\\\/\\\/griffinfunding.com\\\/wp-content\\\/uploads\\\/2020\\\/09\\\/griffinteamlogo-42.jpg\",\"width\":500,\"height\":500,\"caption\":\"Griffin Funding\"},\"image\":{\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/griffinfunding\",\"https:\\\/\\\/x.com\\\/griffinfunding\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/griffin-funding\",\"https:\\\/\\\/www.youtube.com\\\/@griffinfunding\",\"https:\\\/\\\/www.instagram.com\\\/griffin_funding\",\"https:\\\/\\\/www.bbb.org\\\/us\\\/ca\\\/san-diego\\\/profile\\\/mortgage-lenders\\\/griffin-funding-1126-172009171\",\"https:\\\/\\\/www.zillow.com\\\/lender-profile\\\/griffinfunding\\\/\",\"https:\\\/\\\/www.experience.com\\\/reviews\\\/company\\\/griffin-funding-1426\"],\"description\":\"Griffin Funding, founded in 2013, is a nationwide direct-to-consumer mortgage lender that specializes in bank statement loans for the self-employed, DSCR loans for real estate investors, VA loans for veterans and active-duty military, and home equity loans for homeowners. Griffin Funding is dedicated to delivering 5-star service, a fully-digital easy-to-use experience, and financial expertise.\",\"email\":\"info@griffinfunding.com\",\"telephone\":\"8005275910\",\"legalName\":\"Griffin Funding, Inc.\",\"foundingDate\":\"2013-09-17\",\"duns\":\"07-979-5037\",\"leiCode\":\"5493002WVA17MT4UFH84\",\"naics\":\"522292\",\"numberOfEmployees\":{\"@type\":\"QuantitativeValue\",\"minValue\":\"51\",\"maxValue\":\"200\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/#\\\/schema\\\/person\\\/83571cd7f738a7f95cae1a44ad0b7ef1\",\"name\":\"Bill Lyons\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/c0b679e4960454cca8759c2cccd0b4dcf2acd3f5bb2ef255efd806cf23263763?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/c0b679e4960454cca8759c2cccd0b4dcf2acd3f5bb2ef255efd806cf23263763?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/c0b679e4960454cca8759c2cccd0b4dcf2acd3f5bb2ef255efd806cf23263763?s=96&d=mm&r=g\",\"caption\":\"Bill Lyons\"},\"description\":\"Bill Lyons is the Founder, CEO &amp; President of Griffin Funding. Founded in 2013, Griffin Funding is a national boutique mortgage lender focusing on delivering 5-star service to its clients. Mr. Lyons has 25 years of experience in the mortgage business. Lyons is seen as an industry leader and expert in real estate finance. Lyons has been featured in Forbes, Inc., Wall Street Journal, HousingWire, and more. As a member of the Mortgage Bankers Association, Lyons is able to keep up with important changes in the industry to deliver the most value to Griffin's clients. Under Lyons' leadership, Griffin Funding has made the Inc. 5000 fastest-growing companies list five times in its 12 years in business. Follow his updates on LinkedIn.\",\"sameAs\":[\"https:\\\/\\\/griffinfunding.com\\\/our-team\\\/bill-lyons\\\/\",\"https:\\\/\\\/www.facebook.com\\\/griffinfunding\",\"https:\\\/\\\/www.linkedin.com\\\/in\\\/lyons\\\/\",\"https:\\\/\\\/x.com\\\/https:\\\/\\\/x.com\\\/griffinfunding\",\"https:\\\/\\\/www.youtube.com\\\/@Griffinfunding\"],\"url\":\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/author\\\/griffinfunding\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"VA Loan Income Requirements (2026) | Griffin Funding","description":"VA loans are for active duty service members and veterans, but there are other requirements as well. Find out if you qualify and secure a VA loan today.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/griffinfunding.com\/blog\/va-loans\/va-income-requirements\/","og_locale":"en_US","og_type":"article","og_title":"VA Loan Income Requirements for 2026: What You Need to Know","og_description":"VA loans are for active duty service members and veterans, but there are other requirements as well. Find out if you qualify and secure a VA loan today.","og_url":"https:\/\/griffinfunding.com\/blog\/va-loans\/va-income-requirements\/","og_site_name":"Griffin Funding","article_publisher":"https:\/\/www.facebook.com\/griffinfunding","article_author":"https:\/\/www.facebook.com\/griffinfunding","article_published_time":"2025-08-18T16:27:07+00:00","article_modified_time":"2026-03-02T23:22:21+00:00","og_image":[{"width":1000,"height":667,"url":"https:\/\/griffinfunding.com\/wp-content\/uploads\/2020\/10\/Header.jpg","type":"image\/jpeg"}],"author":"Bill Lyons","twitter_card":"summary_large_image","twitter_creator":"@https:\/\/x.com\/griffinfunding","twitter_site":"@griffinfunding","twitter_misc":{"Written by":"Bill Lyons","Est. reading time":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/griffinfunding.com\/blog\/va-loans\/va-income-requirements\/#article","isPartOf":{"@id":"https:\/\/griffinfunding.com\/blog\/va-loans\/va-income-requirements\/"},"author":{"name":"Bill Lyons","@id":"https:\/\/griffinfunding.com\/#\/schema\/person\/83571cd7f738a7f95cae1a44ad0b7ef1"},"headline":"VA Loan Income Requirements for 2026: What You Need to Know","datePublished":"2025-08-18T16:27:07+00:00","dateModified":"2026-03-02T23:22:21+00:00","mainEntityOfPage":{"@id":"https:\/\/griffinfunding.com\/blog\/va-loans\/va-income-requirements\/"},"wordCount":1431,"publisher":{"@id":"https:\/\/griffinfunding.com\/#organization"},"image":{"@id":"https:\/\/griffinfunding.com\/blog\/va-loans\/va-income-requirements\/#primaryimage"},"thumbnailUrl":"https:\/\/griffinfunding.com\/wp-content\/uploads\/2020\/10\/Header.jpg","articleSection":["VA Loans"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/griffinfunding.com\/blog\/va-loans\/va-income-requirements\/","url":"https:\/\/griffinfunding.com\/blog\/va-loans\/va-income-requirements\/","name":"VA Loan Income Requirements (2026) | Griffin Funding","isPartOf":{"@id":"https:\/\/griffinfunding.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/griffinfunding.com\/blog\/va-loans\/va-income-requirements\/#primaryimage"},"image":{"@id":"https:\/\/griffinfunding.com\/blog\/va-loans\/va-income-requirements\/#primaryimage"},"thumbnailUrl":"https:\/\/griffinfunding.com\/wp-content\/uploads\/2020\/10\/Header.jpg","datePublished":"2025-08-18T16:27:07+00:00","dateModified":"2026-03-02T23:22:21+00:00","description":"VA loans are for active duty service members and veterans, but there are other requirements as well. Find out if you qualify and secure a VA loan today.","breadcrumb":{"@id":"https:\/\/griffinfunding.com\/blog\/va-loans\/va-income-requirements\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/griffinfunding.com\/blog\/va-loans\/va-income-requirements\/"]}],"about":{"@id":"https:\/\/griffinfunding.com\/#organization"}},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/griffinfunding.com\/blog\/va-loans\/va-income-requirements\/#primaryimage","url":"https:\/\/griffinfunding.com\/wp-content\/uploads\/2020\/10\/Header.jpg","contentUrl":"https:\/\/griffinfunding.com\/wp-content\/uploads\/2020\/10\/Header.jpg","width":1000,"height":667},{"@type":"BreadcrumbList","@id":"https:\/\/griffinfunding.com\/blog\/va-loans\/va-income-requirements\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/griffinfunding.com\/"},{"@type":"ListItem","position":2,"name":"VA Loans","item":"https:\/\/griffinfunding.com\/blog\/category\/va-loans\/"},{"@type":"ListItem","position":3,"name":"VA Loan Income Requirements for 2026: What You Need to Know"}]},{"@type":"WebSite","@id":"https:\/\/griffinfunding.com\/#website","url":"https:\/\/griffinfunding.com\/","name":"Griffin Funding","description":"Mortgages &amp; Home Loan Lenders","publisher":{"@id":"https:\/\/griffinfunding.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/griffinfunding.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/griffinfunding.com\/#organization","name":"Griffin Funding","url":"https:\/\/griffinfunding.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/griffinfunding.com\/#\/schema\/logo\/image\/","url":"https:\/\/griffinfunding.com\/wp-content\/uploads\/2020\/09\/griffinteamlogo-42.jpg","contentUrl":"https:\/\/griffinfunding.com\/wp-content\/uploads\/2020\/09\/griffinteamlogo-42.jpg","width":500,"height":500,"caption":"Griffin Funding"},"image":{"@id":"https:\/\/griffinfunding.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/griffinfunding","https:\/\/x.com\/griffinfunding","https:\/\/www.linkedin.com\/company\/griffin-funding","https:\/\/www.youtube.com\/@griffinfunding","https:\/\/www.instagram.com\/griffin_funding","https:\/\/www.bbb.org\/us\/ca\/san-diego\/profile\/mortgage-lenders\/griffin-funding-1126-172009171","https:\/\/www.zillow.com\/lender-profile\/griffinfunding\/","https:\/\/www.experience.com\/reviews\/company\/griffin-funding-1426"],"description":"Griffin Funding, founded in 2013, is a nationwide direct-to-consumer mortgage lender that specializes in bank statement loans for the self-employed, DSCR loans for real estate investors, VA loans for veterans and active-duty military, and home equity loans for homeowners. Griffin Funding is dedicated to delivering 5-star service, a fully-digital easy-to-use experience, and financial expertise.","email":"info@griffinfunding.com","telephone":"8005275910","legalName":"Griffin Funding, Inc.","foundingDate":"2013-09-17","duns":"07-979-5037","leiCode":"5493002WVA17MT4UFH84","naics":"522292","numberOfEmployees":{"@type":"QuantitativeValue","minValue":"51","maxValue":"200"}},{"@type":"Person","@id":"https:\/\/griffinfunding.com\/#\/schema\/person\/83571cd7f738a7f95cae1a44ad0b7ef1","name":"Bill Lyons","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/c0b679e4960454cca8759c2cccd0b4dcf2acd3f5bb2ef255efd806cf23263763?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/c0b679e4960454cca8759c2cccd0b4dcf2acd3f5bb2ef255efd806cf23263763?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/c0b679e4960454cca8759c2cccd0b4dcf2acd3f5bb2ef255efd806cf23263763?s=96&d=mm&r=g","caption":"Bill Lyons"},"description":"Bill Lyons is the Founder, CEO &amp; President of Griffin Funding. Founded in 2013, Griffin Funding is a national boutique mortgage lender focusing on delivering 5-star service to its clients. Mr. Lyons has 25 years of experience in the mortgage business. Lyons is seen as an industry leader and expert in real estate finance. Lyons has been featured in Forbes, Inc., Wall Street Journal, HousingWire, and more. As a member of the Mortgage Bankers Association, Lyons is able to keep up with important changes in the industry to deliver the most value to Griffin's clients. Under Lyons' leadership, Griffin Funding has made the Inc. 5000 fastest-growing companies list five times in its 12 years in business. Follow his updates on LinkedIn.","sameAs":["https:\/\/griffinfunding.com\/our-team\/bill-lyons\/","https:\/\/www.facebook.com\/griffinfunding","https:\/\/www.linkedin.com\/in\/lyons\/","https:\/\/x.com\/https:\/\/x.com\/griffinfunding","https:\/\/www.youtube.com\/@Griffinfunding"],"url":"https:\/\/griffinfunding.com\/blog\/author\/griffinfunding\/"}]}},"_links":{"self":[{"href":"https:\/\/griffinfunding.com\/wp-json\/wp\/v2\/posts\/2724","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/griffinfunding.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/griffinfunding.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/griffinfunding.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/griffinfunding.com\/wp-json\/wp\/v2\/comments?post=2724"}],"version-history":[{"count":0,"href":"https:\/\/griffinfunding.com\/wp-json\/wp\/v2\/posts\/2724\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/griffinfunding.com\/wp-json\/wp\/v2\/media\/2726"}],"wp:attachment":[{"href":"https:\/\/griffinfunding.com\/wp-json\/wp\/v2\/media?parent=2724"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/griffinfunding.com\/wp-json\/wp\/v2\/categories?post=2724"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/griffinfunding.com\/wp-json\/wp\/v2\/tags?post=2724"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}