All too often, veterans are the sole focus when it comes to VA loans. That’s all good and well, but what about close family members of veterans? These loans are governed by a strict set of rules established by the government.
Once eligibility is established with a COE document, veterans, service members, and qualified family members may be eligible to apply for VA loan benefits. Surviving spouses of veterans must also meet specific criteria.
There are numerous use cases where family members of veterans can take advantage of the many benefits offered by VA loans.
Children of Veterans
Children of veterans typically do not qualify for a VA loan unless they are eligible to apply for one. An interesting case arises when a VA loan is transferred to children courtesy of a VA loan assumption. Please be advised that specific stipulations are in place to maintain the integrity of the program.
Children of veterans can also apply to become a co-borrower on a joint VA loan application. But this loan uses the veteran’s VA entitlement. Overall, it is true that these loan programs were designed to safeguard service members as well as their families. Those who serve their country with distinction are considered heroes. It’s only fitting that they (and their immediate family) enjoy the benefits.
Family Members Are Assessed on a Case-by-Case Basis
Family members of veterans are encouraged to present their case to the VA. They will assess eligibility and qualification on a case-by-case basis. These loans are not directly available to children of veterans unless they can prove that they meet all the VA loan requirements. Put differently, one must be a veteran who has received an honorable discharge or served on active duty.
It’s also possible to qualify for a VA loan if a veteran is currently on active service. National Guard personnel and National Guard Reserves may also qualify. However, the caveat is that at least 6 years of service is required. Plus, active-duty service qualifies personnel.
For family members, it’s vital to prove that one is a surviving spouse of a veteran who died in the line of duty. Alternatively, qualification can be achieved through service-related disabilities.
According to the rules of loan providers and the government, family members may be eligible for VA loans. The loans can be used to assist children in buying a home with a joint VA loan. Once again, verify all the specific criteria about family members.
While children typically can’t utilize their veteran parent’s VA loan benefits, there are a variety of survivor and independent benefits available through the Department of Veterans Affairs.
It’s critically important to read all the qualifying criteria, consult with a specialist, and deliver all the necessary paperwork to determine eligibility.
VA Benefits for Family Members of Veterans
It’s easy to think VA benefits start and stop with veterans themselves. But that’s not the whole story. The Department of Veterans Affairs extends a broad range of programs to safeguard and support the families of those who’ve served.
These members include: spouses, dependents, survivors, and caregivers alike. Each distinct category has its own purpose, and every benefit has its own criteria.
The table below offers a quick overview of what’s available for those who stand behind those who serve their country:
| Category | Eligible Family Members | Summary of Benefits |
| Health & Disability Benefits | These include the spouse, dependent child, surviving spouse, surviving child, and the caregiver. | Families can access health coverage through CHAMPVA and related VA programs. Caregivers may receive hands-on support training, counseling, and even financial help for the care they provide. |
| Survivors’ Pension & DIC | Tailored to the surviving spouse, surviving child, or surviving parent. | Eligible survivors may receive monthly compensation or a VA Survivors’ Pension. If additional care is needed, Aid and Attendance or Housebound benefits may apply. |
| Education & Career Benefits | For the spouse, dependent child, surviving spouse, and surviving child. | Family members may qualify for tuition assistance through Chapter 35 or the Fry Scholarship. Veterans can also transfer unused Post‑9/11 GI Bill benefits to a spouse or child. |
| Housing Assistance | Expressly tailored to the surviving spouse. | Surviving spouses may be eligible for a VA‑backed loan to buy, build, or refinance a home and access guidance on managing or keeping that home secure. |
| Life Insurance | Ideal for the spouse, dependent child, surviving spouse, and surviving child. | Family Servicemembers’ Group Life Insurance (FSGLI) provides coverage and peace of mind, including access to free financial advice for beneficiaries. |
| Burial & Memorial Benefits | These benefits apply to the spouse, dependent child, surviving spouse, surviving child, and the surviving parent. All accompanying paperwork must check out. | Eligible family members may be buried in a VA national cemetery or receive help covering burial costs. Memorial items, planning assistance, and bereavement counseling are also available. |
Source: VA.gov Family and Caregiver Benefits
Broadly speaking, VA loan benefits form an umbrella that extends well beyond individual service members. These loans cater to surviving spouses, dependent children, surviving parents, and surviving children, among others.
It’s always best to confirm eligibility through a reputable VA loan provider. Many benefits are available, provided the family member is eligible to receive them. Indeed, families of veterans often make heavy sacrifices; it’s only fair that they are considered beneficiaries of these programs.
