Program Details

The VA Temporary Residence Adaptation Grant (TRA) provides affordable and flexible financing options backed by the Department of Veterans Affairs. It is designed to help eligible borrowers with competitive interest rates, no private mortgage insurance (PMI), and often no down payment requirements. This program is tailored to support those who have served in the military by making homeownership and housing modifications more accessible.

The VA Temporary Residence Adaptation Grant (TRA) is administered by the VA and includes protections like limited closing costs and foreclosure avoidance counseling. It is a powerful tool for veterans to secure, adapt, or refinance their homes with confidence.

Eligibility Requirements

  • Must be a veteran, active-duty service member, National Guard/Reserve member, or eligible surviving spouse

  • Must meet VA service requirements

  • Satisfactory credit and proof of stable income

  • Certificate of Eligibility (COE) required

  • Property must be VA-approved and used as a primary residence

Program Benefits

  • No down payment in most cases

  • No private mortgage insurance (PMI)

  • Competitive interest rates

  • Limited closing costs

  • Option to finance funding fee

  • VA-backed loan protection against default

  • Reuse benefit multiple times with restored entitlement

  • Special grants available for disabled veterans

How to Apply

  1. Obtain Certificate of Eligibility (COE) from VA

  2. Connect with a VA-approved lender

  3. Complete loan application and submit financial documents

  4. Home appraisal and underwriting process

  5. Loan approval and closing with VA-backed benefits