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Home Loan Surviving Spouse


Home Loan Surviving Spouse refers to a spouse who remains eligible to receive Veterans Affairs (VA) home loan benefits following the death of a veteran. This eligibility is determined based on specific criteria, such as the spouse not remarrying and the deceased veteran having served under qualifying conditions. Access to these VA benefits can assist the surviving spouse in purchasing or refinancing a home through the VA home loan program.

Key Takeaways

  1. Home Loan Surviving Spouse benefit is provided to the surviving spouse of a veteran who has passed away, allowing them to obtain a VA-guaranteed home loan without the requirement of meeting certain service conditions.
  2. The surviving spouse must not have remarried, and the veteran’s death must have been due to a service-connected disability or occurred while in active service to qualify for this benefit.
  3. This benefit can be used to purchase, construct, or improve a home for the surviving spouse and helps them secure advantageous loan terms, like lower interest rates and no down payment requirements.


The term “Home Loan Surviving Spouse” is important in the context of VA benefits because it refers to a crucial provision that ensures financial security and stability for the surviving spouse of a deceased or disabled veteran.

This term specifically pertains to the VA Home Loan Guaranty benefit, which helps surviving spouses obtain favorable mortgage terms, reduced interest rates, and minimal or no down payments when purchasing or refinancing a home, without the requirement for private mortgage insurance.

By offering these advantages, the VA not only honors the service and sacrifices made by the veterans and their families but also eases the financial burden on the surviving spouses, providing them an opportunity to secure long-term housing and maintain a comfortable lifestyle post the loss of their spouse.


The purpose of the Home Loan Surviving Spouse benefit is to support and provide financial assistance to the spouses of deceased military veterans, ensuring they have access to affordable housing despite the loss of their partner. This critical benefit acknowledges the sacrifices both the veterans and their families have made in service to their country, and aims to alleviate some of the financial burdens they may face.

It allows surviving spouses to secure loans with favorable terms, typically with lower interest rates and reduced requirements, making it more accessible to fulfill their housing needs. In some cases, this can include refinancing an existing loan or utilizing the benefit to gain funding for repairs and upgrades to a current home.

The Home Loan Surviving Spouse benefit is used to increase the financial stability and overall well-being of military families who have experienced the loss of their service member. By easing the financial pressure associated with securing a home loan, the surviving spouse can focus on healing and rebuilding in the aftermath.

This benefit also extends the gratitude and support of a nation to the families of those who have served, recognizing their strength and resilience. Through the provision of the Home Loan Surviving Spouse benefit, the VA honors the legacy of our fallen service members and works to promote the well-being of their loved ones.

Examples of Home Loan Surviving Spouse

The VA Home Loan benefit for surviving spouses is designed to provide financial assistance to widows or widowers of military service members who have passed away. This benefit enables the surviving spouse to access home loans with favorable terms, such as no down payment, no private mortgage insurance, and competitive interest rates. Here are three real-world examples:

A surviving spouse, whose service member partner passed away in the line of duty, wanted to buy a new home for their family. With the VA Home Loan benefit, the surviving spouse was able to secure a home loan without a down payment, reducing the financial burden and allowing them to move into a new home sooner than if they were to rely on traditional financing options.

A widow of a military veteran found herself facing foreclosure on her home after her husband’s passing, and wasn’t eligible for a traditional refinance. Thanks to the VA Home Loan benefit for surviving spouses, she was able to refinance her existing mortgage with terms that lowered her monthly payments, avoiding foreclosure and ensuring she could remain in her family home.

A widower, whose spouse had passed away after their military service, decided to downsize and move to a smaller home to reduce the cost of living. He used the VA Home Loan benefit for surviving spouses to purchase a new, smaller home with no down payment and a competitive interest rate, which helped him save money and adjust to living on a fixed income.

FAQ – Home Loan Surviving Spouse

1. What is a Home Loan Surviving Spouse benefit?

Home Loan Surviving Spouse benefit is a VA program specifically designed for the surviving spouses of military service members who have passed away due to service-related activities or injuries. This benefit allows these spouses to obtain, retain, or refinance a home with fewer restrictions and at a lower interest rate.

2. Who is eligible for the Home Loan Surviving Spouse benefit?

Surviving spouses of military service members who have died due to service-related disabilities or activities can apply for this benefit. However, they must not have remarried to qualify.

3. How do surviving spouses apply for the Home Loan Surviving Spouse benefit?

To apply for the Home Loan Surviving Spouse benefit, surviving spouses should start by contacting their VA loan professional or lender. They will guide them through the application process and help them gather the necessary documentation to apply for the benefit.

4. Can surviving spouses use the Home Loan Surviving Spouse benefit multiple times?

Yes, surviving spouses can use this benefit multiple times for various purposes, such as refinancing or purchasing a new home. However, every transaction must be complete before using the benefit again.

5. Are there any restrictions on the type of home purchased using the Home Loan Surviving Spouse benefit?

The property purchased or refinanced through the Home Loan Surviving Spouse program must be for the primary residence of the surviving spouse. Vacation homes, investment properties, and other non-primary residences are not eligible for this benefit.

6. What additional benefits can a surviving spouse expect with the Home Loan Surviving Spouse program?

The surviving spouse can expect several benefits with the Home Loan Surviving Spouse program. These include no down payment requirement, favorable interest rates, no private mortgage insurance requirement, and reduced financial strain during the home buying or refinancing process.

Related VA Benefit Terms

  • VA Home Loan Guaranty
  • Joint Loan Eligibility
  • Surviving Spouse Entitlement
  • Death of Veteran Borrower
  • Home Loan Certificate of Eligibility

Sources for More Information