Section A: loan data
The loan number at the top, then the name of the borrower, the amount of the loan and the cash down payment on the purchase price.
26-6393
Loan Analysis
- Agency
- VA
- Revision
- September 2025
- Fillable fields
- 104
- Pages
- 1
- Official source
- VA form page
- Checked
- October 20, 2026
VA Form 26-6393: Loan Analysis
VA Form 26-6393 is the U.S. Department of Veterans Affairs Loan Analysis. VA's page lists it under Housing assistance. The form records a borrower's loan data, personal and financial status, estimated monthly shelter expenses, debts and monthly income, then the credit review and the underwriter's recommendation. Its Privacy Act notice says the information is needed to determine the veteran's qualifications for the loan.
The form is one page in Sections A to F. It is signed by a VA approved underwriter, who certifies having personally reviewed and approved the loan, and by an approving official who records the final action. The borrower has no signature line on the form.
The form carries OMB Control No. 2900-0523. You can fill out the PDF free in your browser on this page and download the result without an account.
What's on VA Form 26-6393
Section B: personal and financial status
The applicant's and spouse's age, occupation and years at present employment, liquid assets, current monthly housing expense, whether utilities are included, and the ages of dependents.
Section C: monthly shelter expenses
For this property: term of the loan, mortgage payment of principal and interest with the rate, realty taxes, hazard insurance, special assessments, maintenance and utilities, other costs such as HOA or condo fees, and the total.
Section D: debts and obligations
Itemized debts with monthly payment and unpaid balance, marked to show which are considered in Section E, Line 40, including a job related expense such as child care.
Section E: income, ratio and credit
Gross earnings, tax and other deductions, net take-home pay, other net income, net effective income, balance available for family support against a guideline, the ratio, automated underwriting results, credit scores, CAIVRS, past credit record and remarks.
Section F: disposition and certification
The underwriter's recommendation to approve or disapprove, the certification, Items 54 and 55, and the final action in Items 56 to 58.
How to complete VA Form 26-6393
- 1
Enter the loan and borrower data
Fill in the loan number and Sections A and B for the borrower and spouse.
- 2
Add shelter expenses and debts
Complete Sections C and D. The form says to round all dollar amounts to the nearest whole dollar and to use the reverse or a separate sheet if more space is needed.
- 3
Work through the income lines
Fill in Section E for the spouse, borrower and total. Line 39 is the sum of lines 37 and 38, and Item 44 is a ratio of Items 15, 16, 17, 18, 20 and 40 to Items 31 and 38.
- 4
Record the credit review
Answer whether an automated underwriting system was used (LP, DU or other) and its risk classification, enter credit scores and CAIVRS, and give reasons in Remarks if needed, for example a borderline case.
- 5
Recommend, sign and record final action
The underwriter checks a recommendation and signs Items 54 and 55. The approving official marks approve or reject and signs Items 57 and 58.
Why fill Form 26-6393 on indox
You get the real form, filled in a browser tab, with nothing standing between you and the finished PDF.
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- The official blank straight from the VA, not a copy someone retyped
- Works on a phone, tablet or computer
Where it goes
No address printed
The form and VA's page give no mailing address. The burden notice gives [email protected] for comments and says: Do not send your completed VA Form 26-6393 to this email address.
Paper form only
VA's page offers the form as a downloadable PDF and lists no online version.
Burden estimate
The respondent burden notice estimates an average of 30 minutes per respondent, per year.
Edition
The form is dated SEP 2025 and supersedes VA Form 26-6393, AUG 2022, which will not be used. OMB Control No. 2900-0523 expires 09/30/2028.
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Who uses VA Form 26-6393?
The signature lines show who completes and acts on the form.
Official sources and the blank
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Questions about Form 26-6393
What is VA Form 26-6393?
It is the VA Loan Analysis. It records a borrower's loan data, income, shelter expenses, debts and credit, and the underwriter's recommendation on the loan.
Do borrowers fill out VA Form 26-6393?
The form has signature lines only for the VA approved underwriter and the approving official. It has no signature line for the borrower.
Is an underwriter ID always required?
Item 52 asks for the VA approved underwriter ID and says it is not required for supervised lenders.
How are dollar amounts entered?
The form says to round all dollar amounts in Sections C to E to the nearest whole dollar.
Where is the completed form sent?
The form and VA's page print no address. The burden notice says not to send the completed form to the [email protected] comments address.
Which edition is current?
The SEP 2025 edition. It supersedes VA Form 26-6393, AUG 2022, which will not be used.