Certificate of Eligibility (COE)
Your COE is the VA's official confirmation that you've earned home-loan benefits. It shows your entitlement, funding-fee status, and prior VA loan usage.
Three ways to request your COE
1) Through your lender via the VA's WebLGY system — the fastest path. We can pull most COEs in minutes with your DOB, SSN, and service history.
2) Yourself, on eBenefits at va.gov. Requires an active login and your DD-214.
3) By mail, using VA Form 26-1880. Slowest option; typically 4–6 weeks.
Documents you may need
Veterans: DD-214 (member 4 copy).
Active duty: statement of service signed by commanding officer or personnel office.
Guard/Reserve: NGB-22 or points statement plus DD-214 for any active-duty periods.
Surviving spouses: VA Form 26-1817 plus veteran's DD-214 and marriage/death certificates.
How to read your COE
Entitlement code: 01–11, indicating the era or basis of eligibility.
Funding fee status: whether you're exempt (typically disability rating ≥10%).
Prior loan usage: how much entitlement is currently in use, if any.
'Basic entitlement charged to this loan': the dollar amount the VA has already committed to a prior VA loan.
Not sure this applies to you?
We'll pull your COE and tell you exactly where you stand — in minutes, at no cost.
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