When it comes to purchasing a home with a VA loan, transparency is paramount. For veteran buyers—many of whom are entering the real estate market for the first time or after long relocations—understanding which documents should be included in the process can offer both protection and peace of mind.

Let’s start with the foundation: a report from the seller disclosing known issues with the property. This could include anything from a past roof leak to structural modifications or outdated electrical work. Without this, buyers are flying blind—and trust us, surprises after closing are rarely good ones.

Next, for homes built decades ago, you should receive documentation alerting you to possible health or safety concerns based on the age of the property. Think outdated materials that have since been deemed hazardous.

Another critical piece of paperwork is designed to protect your deposit. If the home’s appraised value doesn’t match the agreed sale price, this clause ensures you can walk away with your earnest money intact. It’s your financial parachute, and every VA buyer should have it.

Additionally, while not always required, a comprehensive inspection conducted by a professional should be included in your review process. This report doesn’t just check the box—it uncovers potential issues that could cost you thousands in repairs or cause you to walk away from a bad deal.

These documents aren’t just paperwork—they’re protection. They empower you with knowledge, shield you from financial risk, and keep the transaction honest. If you’re buying with a VA loan, make sure your agent is not only aware of these disclosures but committed to ensuring you receive and review every one.