VA housing assistance

VA housing assistance can help Veterans, service members, and their surviving spouses to buy a home or refinance a loan. We also offer benefits and services to help you build, improve, or keep your current home. Find out how to apply for and manage the Veterans housing assistance benefits you’ve earned.

How do I get help if I'm homeless or at risk of becoming homeless?

We offer many programs and services that may help—including free health care and, in some cases, free limited dental care. We can also help you connect with resources in your community, like homeless shelters or faith-based organizations.

Find the support you need:

• Call the National Call Center for Homeless Veterans at 877-424-3838 for help 24 hours a day, 7 days a week. You’ll talk privately with a trained VA counselor for free.
• Contact your nearest VA medical center and ask to talk with the VA social worker. If you're a female Veteran, ask for the Women Veterans Program Manager.
  Find the nearest VA medical center

Talk with someone right now:

If you're a Veteran in crisis or concerned about one, connect with our caring, qualified Veterans Crisis Line responders for confidential help. Many of them are Veterans themselves. This service is private, free, and available 24/7.
Chat online with a trained VA staff member

Get VA home loan benefits

• Learn how VA direct and VA-backed home loans work—and find out which loan type may be right for you.
• Find out if you’re eligible for a VA direct or VA-backed home loan, based on your service history and duty status.
• Get instructions for how to request a VA home loan COE—and what to do next depending on your loan type.
• Start your application for a VA home loan Certificate of Eligibility (COE) now.
• Find out if you’re eligible and how to request a VA home loan COE as the surviving spouse of a Veteran or the spouse of a Veteran who is missing in action or being held as a prisoner of war.
• Find out where your home loan COE request is in our process.
• If you disagree with a decision on your application for home loan benefits, you can request a decision review. You can also manage any review requests or appeals you already filed.
• Find out where your claim, decision review, or appeal is in our process.
• Get help to avoid foreclosure if you’re struggling to make your monthly mortgage payments.
• Learn about the signs of misleading offers to refinance your VA-backed home loan, like claims that you can skip payments or get very low interest rates or other terms that sound too good to be true.
• Find out if you’ll need to pay this fee when using your home loan benefits.
• If you have remaining entitlement for your VA-backed home loan, find out the current loan limits and how they may affect the amount of money you can borrow without a down payment.
• Get more information about using your VA home loan benefit to buy a home.
• Find out how to get help if you have a VA direct or VA-backed home loan or Specially Adapted Housing grant and your home was damaged by a natural disaster.

Get Veterans housing assistance grants

• Find out how to apply for a housing grant as a Veteran or service member with a service-connected disability.
• Get financial help to make changes to your home to help you live more independently with a service-connected disability.
• Track the status of an open claim for a Specially Adapted Housing grant.
• If you disagree with a decision on your application for housing assistance grants, you can request a decision review. You can also manage any review requests or appeals you already filed.

Other VA benefits and services

• Find out how to file a claim for compensation for conditions related to your military service.
• See if you qualify for pension benefits as a wartime Veteran or a surviving spouse or child.
• If your service-connected disability limits your ability to work or prevents you from working, find out if you can get VR&E benefits and services—like help exploring employment options and getting more training if required.
• Explore your life insurance options and find out how to apply as a service member, Veteran, or family member.

Last updated: April 11, 2024

Find out how we can help you or a Veteran you care about connect with VA and local resources 24 hours a day, 7 days a week.

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Call us

• VA benefits hotline:
  800-827-1000
• eBenefits technical support:
  800-983-0937
• MyVA411 main information line:
  800-698-2411
• Telecommunications Relay Services (using TTY)
  TTY: 711