This tool provides estimates for educational purposes only. We are not accredited by the Department of Veterans Affairs and do not file claims, provide legal advice, or represent veterans before the VA (38 U.S.C. § 5904). For official assistance, contact a VSO, CVSO, or VA-accredited attorney.
Certificate of Eligibility (COE) Guide
Based on VA’s COE application process at VA.gov and loan-guaranty eligibility rules in 38 CFR Part 36. This page is a free community resource. We are not VA-accredited and do not file claims or provide legal advice (per 38 U.S.C. § 5904).
Last reviewed: April 2026 · Next review: October 2026
Maintained by: Veterans Benefits Navigator editorial team. Every citation links to a primary federal or state source. See editorial standards and our privacy posture.
Primary sources: VA.gov: How to request a COE, 38 CFR § 36.4302 (Computation of guaranty), 38 CFR Part 36 (Loan Guaranty)
Estimate whether you may be eligible for a VA home loan Certificate of Eligibility based on your service history and discharge status[src]. Entitlement is governed by 38 CFR § 36.4302[src].