The VA home loan benefit can be reused if you have paid off your prior VA loan and sold the property.

In addition, you may, on a one-time-only basis, be able to reuse or restore your benefit eligibility if your prior VA loan has been paid in full and you still own the property.

In either case, to restore your eligibility, you must send a completed VA Form 26-1880 to your VA Eligibility Center.

To prevent delays in processing, you should also include evidence that the prior loan has been paid in full and, if applicable, the property disposed of. This evidence can be presented in the form of a paid-in-full statement from the former lender, or a copy of the Closing Disclosure (CD) settlement statement completed in connection with a sale of the property or refinance of the prior loan. Depending on the circumstances, if you have already used a portion of your VA-guaranteed amount (up to $89,912), and the used portion cannot be restored, any remaining portion of your VA guaranty is available for use on another loan. You will have to ask your lender if your remaining VA-guaranteed portion will be enough, or if you will need to make a down payment to qualify for the loan.

If you have a question about your specific case, contact VA.