26-1820

Report and Certification of Loan Disbursement

Agency
VA
Revision
October 2022
Fillable fields
111
Pages
3
Official source
VA form page
Checked
October 20, 2026
Fill 26-1820 online
Page 1 of form 26-1820

VA Form 26-1820: Report and Certification of Loan Disbursement

VA Form 26-1820 is the U.S. Department of Veterans Affairs Report and Certification of Loan Disbursement. Its instructions to lenders say it is for use by lenders closing VA loans under 38 U.S.C. 3710. The respondent burden note says VA needs the information to confirm that the lender closed the loan in compliance with all applicable VA laws and regulations and that the Veteran entered into the loan with an understanding of all relevant requirements and responsibilities.

The form is three pages. Section I gives the purpose, amount, terms and security for the loan. Section II is the lender's certification, signed by a lender representative. Section III holds the Veteran's certifications, which the form says are executed by the Veteran on the date the loan is closed, plus voluntary information for government monitoring purposes. Boxes at the top mark the automatic or prior approval procedure, and guaranty or insurance.

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Top of page 1 of VA Form 26-1820: Report and Certification of Loan Disbursement, as printed by VA

What's on VA Form 26-1820

Items 1 to 6: loan and borrowers

VA loan number, the lender's loan number and VA identification number, date of report, the Veteran's name, Social Security number and present address, and any co-obligor's name and Social Security number.

Items 7 to 13: purpose, terms and title

Purpose of the loan, from refinances and construction to purchases, the property address, the loan terms and key dates, the type of lien, the estate in property and who holds title.

Items 14 to 19: points, refinances and energy

Discount points charged and financed (IRRRL only), questions for refinances on modified loans and adjustable-rate mortgages, and any energy efficiency mortgage amount with its list of improvements.

Items 20 to 29: taxes, insurance and escrow

Approximate annual real estate taxes, hazard and flood insurance, special assessments, homeowners association dues, nonrealty bought with loan proceeds, escrow deposits and land acquired by separate transaction.

Section II: lender's certification

Item 30 certifications A to P, the underwriter's name and VA ID number, the lender's name, address and telephone, and the date and signature and title of the lender representative.

Section III: Veteran's certifications

Occupancy, the reasonable value of the property as determined by VA, nondiscrimination, the statement that VA does not warrant the condition or value of the property, Certificate of Eligibility conditions and the signatures.

How VA Form 26-1820 is completed

  1. 1

    Mark the procedure

    At the top, check automatic procedure or prior approval procedure, and guaranty or insurance.

  2. 2

    Complete Section I

    Enter the loan identification, purpose, terms, lien, title, escrow and property cost items. The form says to attach a separate sheet if necessary for Items 25 and 27.

  3. 3

    Sign the lender's certification

    A lender representative signs and dates Section II after naming any agents and the underwriter. For prior approval loans, the certification refers to an attached statement of loan disbursement and costs or Closing Disclosure.

  4. 4

    Veteran signs at closing

    The Veteran checks the occupancy and reasonable value statements in Section III and signs Item 40 on the date the loan is closed. Item 30G certifies the Veteran signed after Sections I, II and III were completed.

  5. 5

    Co-obligor signs if applicable

    A co-obligor signs Item 41. The form says the Veteran's spouse also signs Item 41 when occupancy item (2) or (5) is checked.

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Submitting it and getting help

Who submits it

The form is a report of the undersigned lender made under Section 3702(c), Title 38, United States Code. It prints no mailing address.

Attachments

For a loan submitted for prior approval, the lender's certification refers to the statement of loan disbursement and costs or Closing Disclosure (CD) attached to and incorporated in the report.

Questions about the form

The respondent burden note says you can call 1-800-827-1000 to get information on where to send comments or suggestions about this form. It estimates an average of 20 minutes to complete.

Edition

The October 2022 edition supersedes the November 2020 edition, which will not be used. It carries OMB Control No. 2900-0521 with an expiration date of 10/31/2025 printed on it.

Related forms

Who uses VA Form 26-1820?

  • Lenders closing VA loans

    The instructions to lenders say the form is for use by lenders closing VA loans under 38 U.S.C. 3710. The lender fills in Section I and signs the certification in Section II.

  • Veterans getting the loan

    Section III is executed by the Veteran on the date the loan is closed. The Veteran signs Item 40 and may give voluntary ethnicity, race and sex information in Item 37.

  • Co-obligors and spouses

    Item 6 names any co-obligor, who signs Item 41 if applicable. The form notes that if occupancy item (2) or (5) is checked, the Veteran's spouse also signs Item 41.

  • Underwriters and lender agents

    Item 30I lists any duly authorized agents who developed information for the lender. Item 31 names the VA-approved underwriter when the loan has to be personally reviewed and approved by one.

  • Attorneys-in-fact or guardians

    When a dependent child of a Veteran on active military duty occupies the property, the form says the Veteran's attorney-in-fact or the legal guardian of the dependent child signs in Item 40.

The form is a lender's report, with certifications from the Veteran and others named on the loan.

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Questions about Form 26-1820

Who fills out VA Form 26-1820?

Its instructions say it is for use by lenders closing VA loans under 38 U.S.C. 3710. The lender completes Sections I and II, and the Veteran executes Section III on the date the loan is closed.

When does the Veteran sign it?

Section III says it is executed by the Veteran on the date the loan is closed. The lender certifies in Item 30G that the report was signed by the Veteran after Sections I, II and III were completed.

Are the ethnicity, race and sex questions required?

Items 37 and 38 are marked as voluntary information for government monitoring purposes. A Veteran or co-obligor who does not wish to complete them initials the box instead.

Does VA guarantee the condition of the home?

No. In Item 36d the Veteran certifies: I am aware that VA does not warrant the condition or value of the property.

What if the contract price is above VA's reasonable value?

Item 36b has two statements for this case, one for a Veteran who knew of the valuation when signing the contract and one for a Veteran who did not. Each says the Veteran has paid or will pay the difference in cash from their own resources at or prior to loan closing.

Is the Social Security number required?

The Privacy Act notice says giving your SSN is voluntary. The Federal Collection Policy Notice on the same page says the Debt Collection Act of 1982 requires persons applying for a federally insured or guaranteed loan to furnish their SSN, and that failure to provide it may result in disapproval of the loan application.