Can the VA Addendum be signed electronically?

Yes. Electronic signatures are legally valid under the federal ESIGN Act (15 U.S.C. ch. 96) and UETA in most states, provided the parties consent and the record is retained for later reference.

Does the addendum need a notary or witnesses?

Not generally required for contract validity, but some states or title companies prefer notarized acknowledgement for recording or insurance purposes; verify state rules and title requirements before execution.

What happens if the VA appraisal fails MPRs?

The addendum should define repair obligations or credit options; absent agreement, the buyer may withdraw under the loan contingency or negotiate remediation before closing.

Who must sign the VA Addendum?

All parties to the purchase agreement who are bound by its terms should sign the addendum—typically buyer and seller; include agents when required by contract or office policy.

How do I revoke or amend an executed addendum?

Amendments require mutual written agreement; revoke or modify by executing a written amendment signed by all original parties and distributing the updated document to lender and title.

How long should I keep the executed addendum?

Retain it for at least the contract term plus three years; tax and industry standards often suggest retaining real estate transaction records for seven years.

Electronic Signature
Templates
Real estate
Real Estate VA Addendum

Real Estate VA Addendum

This template is fully customizable. Edit the text, fill out the fields, and send it for signature. Give it a try!

REAL ESTATE VA ADDENDUM

Parties and Property Identification

Buyer Name Buyer Contact Seller Name Seller Contact

Property Address:

Parcel / APN Number Legal Description

Reference to Purchase Agreement

This Addendum is attached to and made part of the Purchase Agreement dated . The terms of this Addendum shall control to the extent of any conflict with the Purchase Agreement.

VA Loan Provisions

VA Loan Contingency: Buyer declares that financing will be sought under a VA-guaranteed loan. If VA loan approval and funding do not occur by the Funding Deadline identified below, Buyer may terminate this Agreement by written notice to Seller and have the earnest money discharged according to the Purchase Agreement.

Funding Deadline

Certificate of Eligibility (COE): Buyer shall provide evidence of entitlement or Certificate of Eligibility to Buyer’s lender within days after mutual acceptance. Failure to provide COE within that period may permit Seller to terminate the Agreement.

Buyer will provide COE Yes

VA Appraisal and Repairs

VA Appraisal Requirement: Property must appraise for an amount equal to or greater than the Contract Price for VA loan approval. If the VA appraisal is less than the Contract Price, Buyer may, at Buyer’s option: (a) terminate the Agreement and receive release of deposits, or (b) proceed with the purchase upon mutual written agreement to adjust price or terms.

VA-Required Repairs: If the VA appraisal identifies required repairs or conditions that must be corrected prior to funding, Seller agrees to:

Seller will complete the VA-required repairs no later than unless otherwise agreed in writing. If Seller elects not to complete required repairs, Buyer may terminate the Agreement within days after receipt of the appraisal.

Seller agrees to complete VA-required repairs Yes

Costs, Seller Concessions and Fees

Seller Contributions: Seller agrees to contribute toward Buyer’s reasonable closing costs, prepaid items and VA allowable fees in an amount not to exceed of the Contract Price unless otherwise agreed in writing.

Seller to pay VA funding fee (if applicable) Yes (if checked, parties agree to specify who pays the funding fee in the Purchase Agreement)

Occupancy and Veteran Status

Occupancy Requirement: Buyer certifies Buyer (or a co-borrower who is an eligible veteran) will occupy the Property as their primary residence within days of closing, consistent with VA occupancy requirements. Buyer further agrees to provide written confirmation of intent to occupy if requested.

Buyer certifies veteran eligibility Buyer certifies eligibility and will provide documentation to lender as required

Inspections, Disclosures and Requirements

The VA appraisal is not a substitute for inspections. Buyer retains the right to obtain inspections and to object to any condition. The following disclosures or reports apply:

Lead-Based Paint Disclosure Yes No

Termite / Pest Inspection Yes No

If required by VA appraisal, Seller shall obtain and pay for clearance or treatment prior to funding unless otherwise agreed in writing.

Soil, Drainage, Structural Defects Yes No

Default, Remedies and Miscellaneous Provisions

Breach and Remedies: A party failing to perform any material obligation under this Addendum shall be in default under the Purchase Agreement. The non-breaching party may pursue any remedy available at law or in equity, including specific performance, provided such remedy is consistent with VA rules and the Purchase Agreement.

No Waiver: Failure to insist on strict performance of any provision shall not be a waiver of such provision or future enforcement. This Addendum shall survive closing to the extent necessary to enforce VA-required obligations.

Entire Agreement: This Addendum, together with the Purchase Agreement, contains the entire agreement of the Parties with respect to VA matters addressed herein and supersedes any prior oral or written representations specific to such matters.

Governing Law (state)

Additional Terms and Acknowledgments

Additional Terms

Acknowledgment: Buyer and Seller acknowledge receipt of a fully executed copy of this Addendum. Buyer acknowledges that the VA appraisal focuses on property eligibility for VA-guaranteed financing and does not replace inspections or warranties required under the Purchase Agreement.

Buyer Printed Name:

By:

Date:

Seller Printed Name:

By:

Date:

What the Real Estate VA Addendum Is and When it Applies

A Real Estate VA Addendum is a contractual attachment used in property sales when a buyer intends to use a U.S. Department of Veterans Affairs (VA) loan or when sellers or brokers need to document VA-specific contingencies. It typically clarifies VA appraisal, Minimum Property Requirements (MPR), repair obligations, loan contingency deadlines, and allocation of closing costs. The addendum complements the underlying purchase agreement by aligning contract terms with VA financing requirements and the lender’s underwriting timeline to reduce unexpected hold-ups during appraisal and loan approval.

Why including a VA Addendum matters in VA-financed transactions

The addendum reduces closing risk by documenting VA-specific contingencies, clarifying parties’ responsibilities for repairs, appraisal acceptance, and timelines, and making expectations explicit between buyer, seller, lender, and agent.

Which parties commonly complete or receive the VA Addendum

Use the executed addendum as part of the contract pack provided to the lender, title company, and VA-required reviewers.

Buyer or buyer’s agent — Prepares and signs to confirm intent to use VA financing and acknowledge VA contingencies.
Seller or seller’s agent — Reviews and signs to accept or negotiate VA appraisal and repair provisions.
Lender / loan officer — Receives the executed addendum to validate VA loan conditions and coordinate appraisal scheduling.

Step-by-step: Completing the Real Estate VA Addendum

Follow these sequential steps to prepare, review, and circulate the addendum so it aligns with the purchase contract and lender requirements.

01

1. Attach: Add the VA Addendum to the signed purchase agreement and reference it in the contract.
02

2. Specify: Name buyer, seller, property address, and intended VA financing terms clearly.
03

3. Signatures: Collect signatures from buyer and seller with dates and printed names.
04

4. Distribute: Send executed copies to the lender, title company, and listing agent promptly.

How to set up the VA Addendum in an online signing workflow

Configure your e-sign workflow to collect required fields, set signer order, and preserve the audit trail for lender review.

Field	Configuration
Signer order	Set buyer first, then seller, then lender or title agent as needed.
Required fields	Mark buyer name, seller name, address, loan type, effective date, and signature as required.
Authentication	Use email or SMS code for basic verification; choose stronger methods for identity-sensitive workflows.
Retention	Enable audit trail and store a PDF/A copy for compliance and lender submission.

Platform and format requirements for e-submission

Preserve the audit trail and a tamper-evident PDF for the loan file; confirm lender preferences before submission.

File formats: PDF or PDF/A is preferred for lender and title acceptance; include a searchable copy when possible.
Authentication: Email or SMS verification is common; lenders may request higher-assurance authentication for final loan documents.
Integrations: Ensure your e-sign platform supports delivery to common systems like Salesforce, NetSuite, Microsoft 365, or Google Workspace.

Where to send the executed VA Addendum

Distribute the signed addendum to all parties whose actions depend on VA requirements to keep the loan process synchronized.

Lender: Primary recipient for underwriting and appraisal coordination.
Title company: Receives the addendum for closing, title commitment, and payoff calculations.
Listing agent: Keeps the seller informed and records seller responses to VA contingencies.
Buyer’s agent: Tracks deadlines, coordinates repairs, and forwards confirmations to the lender.

Core elements every professional VA Addendum should include

A clear, complete addendum reduces disputes and supports lender review. Ensure each component below is present and unambiguous.

Identifying details

Names of buyer and seller, full property address, and contract reference so the addendum is legally connected to the purchase agreement.

VA financing statement

Declaration that the buyer intends to use VA financing and any related loan identifiers to trigger VA-specific procedures.

Appraisal and MPR terms

Clarifies acceptance of VA appraisal results and the parties’ obligations if Minimum Property Requirements are not met.

Repair and credit allocation

Specifies who performs repairs, acceptable repair deadlines, and whether seller credit or price reduction is allowed in lieu of repairs.

Contingency deadlines

Sets precise dates or intervals for loan approval, appraisal, and cure periods tied to the effective date.

Signatures and dates

Signature blocks for buyer and seller, printed names, dates, and any required witness or notary acknowledgement.

Essential fields to capture on the VA Addendum

Buyer name: Full legal name

Seller name: Full legal name

Property address: Street, city, state ZIP

Loan type: Indicate 'VA' loan

Effective date: MM/DD/YYYY

Signatures: Signed and dated

Practical tips for completing the VA Addendum accurately

Adopt consistent practices to reduce lender questions and closing delays; these tips reflect common process improvements used by agents and lenders.

Use full legal names

Always enter party names exactly as on government IDs and title documents; inconsistencies can trigger additional verification steps and slow underwriting.

Be explicit about repairs

When listing repairs, include scope, acceptable contractors or standards, and target completion dates to avoid later disputes at closing.

Coordinate with the lender early

Share the executed addendum with the loan officer immediately so appraisal and underwriting can proceed without encountering missing paperwork or unclear contingencies.

Preserve an audit trail

Use an e-sign solution that creates a timestamped audit record and stores a tamper-evident PDF for the loan file and title company review.

Typical timing and deadlines to note on the VA Addendum

Deadlines should be stated clearly in the addendum; some timelines are driven by the contract while others follow lender or VA procedures.

Loan contingency:

State the number of days for loan approval tied to the effective date so both parties know the cure window.

Appraisal order:

Request the VA appraisal promptly; lenders often order appraisal once the fully executed addendum is in the loan file.

Repair completion:

Set clear repair deadlines and inspection windows to align with closing schedules.

Final loan approval:

Allow sufficient time between appraisal and clear-to-close for underwriting conditions to be satisfied.

Document distribution:

Require distribution of the executed addendum to lender and title within 24–72 hours of signing.

Common mistakes to avoid when preparing the VA Addendum

Leaving the addendum unattached or unsigned which causes lender rejection or processing delay during underwriting.
Using vague repair language such as 'make repairs as needed' instead of specifying scope, timeline, or acceptable standards.
Failing to confirm who pays for identified repairs or credits, resulting in last-minute disputes at closing.
Submitting incomplete or inconsistent party names or addresses that require re-execution and lengthen the closing process.

Risks and contract consequences of an incorrect or missing VA Addendum

Loan denial: Missing VA terms may lead to underwriting refusal

Appraisal failure: Noncompliant property may fail MPRs

Closing delay: Incomplete addendum extends closing timeframe

Repair disputes: Unclear obligations produce post-contract disagreements

Financial exposure: Unexpected repair costs may shift allocation

Title issues: Incomplete documents can hold up title insurance issuance

eSignature pricing and capability snapshot relevant to VA Addendum workflows

Compare baseline pricing and core capabilities for digital signing vendors; signNow is listed first per platform comparison conventions.

	signNow	DocuSign	Adobe Sign	PandaDoc	HelloSign
Starting Price	$8/user/mo	$15/user/mo	$14/user/mo	$19/user/mo	$15/user/mo
Free Trial	7-day free trial	Varies by vendor	Varies by vendor	Varies by vendor	Varies by vendor
Bulk Send	Yes	Yes	Yes	Yes	Yes
Audit Trail	Yes	Yes	Yes	Yes	Yes
HIPAA Compliant	Yes	Yes	Yes	No	No
Envelope Cap	No cap	100 envelopes/user/year	Varies	Varies	Varies

Practical scenarios where the VA Addendum resolves common friction

Real-world examples demonstrate how a clear addendum prevents last-minute issues and aligns parties and lenders.

Agent coordinates appraisal

An agent attached the VA Addendum at contract signing to trigger the lender appraisal process quickly

Appraisal flagged minor MPR items
Because the parties had agreed a repair credit framework in the addendum, title and closing proceeded without further delay and closing dates were preserved.

Seller accepts credit

A seller declined to do repairs but agreed to accept a seller credit noted in the addendum

Buyer and lender accepted the credit as settlement of MPR work
The explicit allocation avoided post-appraisal renegotiation and prevented contract termination.

Frequently asked questions about the Real Estate VA Addendum

Answers to common questions about enforceability, notarization, signature methods, and next steps for addendum-related problems.

Need help? Contact support

Can the VA Addendum be signed electronically?
Yes. Electronic signatures are legally valid under the federal ESIGN Act (15 U.S.C. ch. 96) and UETA in most states, provided the parties consent and the record is retained for later reference.
Does the addendum need a notary or witnesses?
Not generally required for contract validity, but some states or title companies prefer notarized acknowledgement for recording or insurance purposes; verify state rules and title requirements before execution.
What happens if the VA appraisal fails MPRs?
The addendum should define repair obligations or credit options; absent agreement, the buyer may withdraw under the loan contingency or negotiate remediation before closing.
Who must sign the VA Addendum?
All parties to the purchase agreement who are bound by its terms should sign the addendum—typically buyer and seller; include agents when required by contract or office policy.
How do I revoke or amend an executed addendum?
Amendments require mutual written agreement; revoke or modify by executing a written amendment signed by all original parties and distributing the updated document to lender and title.
How long should I keep the executed addendum?
Retain it for at least the contract term plus three years; tax and industry standards often suggest retaining real estate transaction records for seven years.

be ready to get more

Join over 28 million airSlate SignNow users

Sign Now