VA Land Loans (2026): Can You Buy Land With VA?

Picture this: open land, blue sky, and the freedom to build your legacy on your terms. For many veterans, owning land feels out of reach - either too complex or completely off the radar. But here's the truth most lenders don’t tell you:

You can use a VA loan to buy land - if you know the rules, choose the right lender, and understand how to structure the deal. This blog breaks it down with zero confusion.

You served. Now it’s time to own land and build wealth - without paying commissions or getting lost in the fine print.

• Yes, you can buy land with a VA loan - but only under specific conditions.
• Combining land + construction in one loan is the most viable VA option.
• Always work with a VA-approved lender, and verify terms, fees, and licensing disclosures.

You’re not alone if you’ve wondered whether your VA loan can go beyond just buying a primary home.

Sort of. The VA doesn’t issue land-only loans by themselves. However, the VA does back loans for land if it’s part of a package deal with construction. That means:

• You must intend to build a primary residence on the land The loan must cover both land and the future home
• The construction must begin within a “reasonable” time frame (generally 12 months)

Heads up: Raw land without plans to build is not eligible under VA rules (VA Pamphlet 26-7).

Get Pre-Qualified and Save Up to 1.5% at Closing with reAlpha

Save up to 1.5% at closing when you combine real estate and mortgage services with reAlpha.

Check If You Qualify

Most lenders don’t advertise VA land loans. They see them as complex, risky, or unfamiliar. That doesn’t mean it’s impossible - it just means you need a VA-savvy lender who understands the land + construction process.

• Certificate of Eligibility (COE)
• VA-approved lender willing to handle construction loans
• Builder registration and approval with the VA
• Construction plans and timeline

Pro Tip: Look for lenders who specialize in VA land and construction loans - like reAlpha Mortgage.

reAlpha Mortgage is a VA-approved lender committed to helping veterans navigate every stage of the land and construction loan process.Their team structures VA construction-to-permanent loans and offers personalized support for combining land purchases with new home builds.

What sets them apart:

• Deep expertise in VA loan eligibility and compliance
• Hands-on support through the entire build process
• Flexible structuring for land + construction financing
• Seamless integration with reAlpha’s buyer rebate program-save a substantial portion of agent commissions when bundled with mortgage and title services.

Veterans working with reAlpha Mortgage gain more than a loan - they gain a trusted partner dedicated to maximizing every VA benefit earned.

If you're buying a home, don't waste thousands on real estate agent commissions. reAlpha offers a modern, commission-free way to purchase a home - perfect for veterans who want more buying power and less stress.

• 100% commission-free buyer representation
• Personalized support from licensed agents
• Streamlined digital home search experience Veteran-friendly guidance at every step.

Veterans Can Save Up to 1.5% at Closing with reAlpha

Save up to 1.5% on your purchase price by using reAlpha Realty and Mortgage together.

Unlock Savings

Think beyond homeownership. Think legacy.

Your land can be:

• A custom dream home
• A generational asset
• An income-producing property

Whether you're building a future for your family or planning smart wealth plays, VA land loans are a tool you’ve earned.

Buying land and building your dream home shouldn't drain your savings. With reAlpha Mortgage, you can unlock a substantial portion of your buyer agent’s commission back-real cash you can use toward closing costs, upgrades, or inspections.

Here’s how it stacks:

• 0.5% rebate when you work with a reAlpha agent
• 1% when you bundle with reAlpha Mortgage

Ready to build your future? Explore your land loan options - and unlock thousands in savings - with reAlpha Mortgage today.

• reAlpha Mortgage NMLS ID: #1743790
• This content is for educational purposes only and does not constitute a commitment to lend.
• Always verify rates and eligibility with a licensed VA-approved lender.
• reAlpha is a real estate investing platform and is not a mortgage lender.
• Commission-free refers to real estate transaction fees - not loan-related fees.
• All mortgage programs are subject to change without notice.
• Equal Housing Opportunity
• VA Home Loans are backed by the U.S. Department of Veterans Affairs (VA), but loans are issued by private lenders.