VA Form 26-6705d Guide: Virginia VA Homes 2026

VA Form 26-6705d Guide: Virginia VA Homes 2026 – If you are preparing an offer to purchase a home owned by the U.S. Department of Veterans Affairs (VA) in Virginia, you will likely need VA Form 26-6705d. This official addendum accompanies VA Form 26-6705 and incorporates important Virginia state law requirements into the purchase contract for VA-acquired (REO) properties.

This guide explains the form’s purpose, when it is required, how to complete it, key Virginia-specific disclosures, financing considerations, and practical tips for buyers and real estate professionals.

What Is VA Form 26-6705d?

VA Form 26-6705d, titled Addendum to Offer to Purchase and Contract of Sale, is an official one-page form issued by the Department of Veterans Affairs. It serves as a required addendum to the main VA Form 26-6705 (Offer to Purchase and Contract of Sale) when submitting an offer on a VA-acquired property located in Virginia.

The current version is dated January 2023 and supersedes the January 2021 version. It carries OMB Control Number 2900-0029 with a respondent burden of approximately 5 minutes. The form also functions as part of an application for credit in connection with the purchase of a VA-acquired property under applicable federal law.

Why Is VA Form 26-6705d Required for Virginia Properties?

VA Form 26-6705d exists because Virginia has specific real estate laws that must be acknowledged by purchasers before or at closing. These include:

  • The Consumer Real Estate Settlement Protection Act (CRESPA)
  • The Virginia Property Owner’s Association Act
  • Virginia mechanic’s lien statutes (Va. Code §§ 43-1 et seq.)

The addendum ensures buyers receive required disclosures about settlement agent choice, potential property owners association (POA) fees, and the risk of mechanic’s liens that could affect title after settlement. Using the correct Virginia-specific addendum helps keep the offer compliant and reduces the chance of delays or rejection by VA or its service provider.

Who Uses VA Form 26-6705d?

This form is primarily used by:

  • Prospective buyers (veterans, non-veterans, owner-occupants, or investors) making offers on VA-acquired properties in Virginia.
  • Licensed real estate brokers and agents submitting offers on behalf of clients.
  • Anyone pursuing VA Vendee financing (seller financing offered directly by VA) or third-party conventional financing on these properties.

VA-acquired properties are homes that VA obtained through foreclosure or other processes on previously guaranteed or financed loans. These properties are marketed for sale to the public, often on an “AS IS” basis.

How to Download the Official VA Form 26-6705d PDF?

Always download the most current official version directly from VA sources. Do not rely on third-party sites that may have outdated or altered versions.

Official sources:

Related main form:

  • VA Form 26-6705 (Offer to Purchase and Contract of Sale): Available on the same VA forms portal.

Tip: Check the VA website before submitting any offer, as forms are occasionally updated. The version hosted by VA remains the authoritative document.

Key Sections of VA Form 26-6705d Explained

The form is organized into clear sections:

Section I – General Information
Records the date of the related VA Form 26-6705 offer, the VA Property Identifier, and the full property address.

Section II – “AS IS” Acceptance
Buyers acknowledge the property is sold “AS IS” with no warranties (expressed or implied) regarding condition or fitness for use. Purchasers confirm they have inspected the property and waive certain rights against VA. Known defects disclosed in the property listing must be acknowledged.

Section III – CRESPA and Property Owners Association Notice (Virginia Properties Only)
Explains the buyer’s right to choose a settlement agent and the agent’s role. It also addresses potential mandatory POA fees and VA’s responsibility to request the required disclosure package.

Section IV – Offer Checklist
Buyers indicate whether the offer is:

  • A cash offer, or
  • Requires third-party financing (with a 60-day closing requirement after acceptance notification), or
  • A “term offer” (often associated with VA Vendee financing options, with choices for expedited or regular processing).

Section V – Mechanic’s Lien Notice
Provides the required Virginia statutory warning about mechanic’s liens for labor or materials furnished before settlement. Buyers are advised to consult legal counsel because an effective lien for pre-settlement work can sometimes be filed after closing.

Section VI – Purchaser(s) Acknowledgement
All purchasers must sign (in ink) and date the form, confirming they have read and accept all conditions and have received a copy.

Step-by-Step Guide to Completing VA Form 26-6705d

  1. Download the current PDF and the matching VA Form 26-6705.
  2. Complete Section I with the exact date of your main offer, property ID, and address.
  3. In Section II, review the “AS IS” language and list any known defects from the property listing.
  4. Complete Section III only if the property is in Virginia (most fields are disclosures rather than fillable blanks).
  5. In Section IV, check the box that matches your offer type (cash, third-party financing, or term/VA financing) and provide settlement agent and lender details where required.
  6. Read the mechanic’s lien notice in Section V carefully.
  7. All purchasers sign and date Section VI in ink.
  8. Attach the completed addendum to your VA Form 26-6705 and submit according to the instructions from VA’s property management service provider.

Virginia law gives buyers specific rights and imposes disclosure obligations. The addendum ensures these are addressed upfront:

  • Choice of Settlement Agent: You generally have the right to select your own settlement agent.
  • Property Owners Association Disclosures: If the property is in a POA community, VA will request the disclosure package; buyers should obtain and review it.
  • Mechanic’s Lien Risk: Even after closing, certain liens for pre-closing work can attach. Many buyers consult a Virginia real estate attorney for additional protection or title insurance review.

Financing Options and Closing Timelines

VA-acquired properties can be purchased with:

  • Cash
  • Third-party conventional or other financing
  • VA Vendee Loan (seller financing offered by VA on eligible properties, available to veterans and non-veterans)

For offers involving third-party financing, the form requires agreement to close within 60 days after VA notifies you that your offer has been accepted. Failure to close on time may allow VA to void the contract and retain the earnest money deposit.

Properties eligible for Vendee financing are often listed on the official marketing site with specific indicators.

Practical Tips for Buyers and Real Estate Professionals

  • Work with a licensed Virginia real estate broker experienced in VA REO transactions and familiar with the current service provider’s offer submission process.
  • Factor “AS IS” condition into your offer price and inspection strategy — VA typically does not make repairs.
  • For financed offers, have your lender pre-approval or pre-qualification ready before submitting.
  • Review the full property listing and any disclosed defects before signing the addendum.
  • Consider consulting a Virginia real estate attorney to review the mechanic’s lien notice and POA documents.
  • Search current listings and financing eligibility at the official VA REO marketing site.
  • Submit offers exactly as instructed by the property management service provider to avoid rejection for technical reasons.

Here are key official resources for buyers interested in VA-acquired properties:

These links point to official U.S. Department of Veterans Affairs and authorized service provider sites.

Important Disclaimers

This article is for informational and educational purposes only. It is not legal, financial, or real estate advice. VA Form 26-6705d is an official form created and maintained by the U.S. Department of Veterans Affairs. This website did not create the form and provides this guide solely to help users understand and locate the official document.

Real estate laws in Virginia are specific and can change. Always verify the most current form version on va.gov, follow instructions from VA’s authorized property management service provider, and consult licensed Virginia professionals (real estate agent and attorney) before signing any purchase documents or addendums.

For the most accurate and up-to-date information, download VA Form 26-6705d and VA Form 26-6705 directly from the official VA links above and review all disclosures carefully before submitting an offer on a Virginia VA-acquired property.