Do VA loans require tax returns?
For self-employed and 1099 income, yes — typically two years of personal and business returns. For salaried W-2 borrowers, VA usually accepts pay stubs and W-2s alone, though some lender overlays still ask for transcripts.
Plain-English explanation
VA's published documentation guidance is similar to conventional and FHA: full income documentation. Self-employed and 1099 borrowers bring two years of business and personal returns. W-2-only borrowers usually clear with two pay stubs, two years of W-2s, and verification of employment. Manual underwriting and lender overlays may add tax-transcript requirements. Subject to VA guidelines.
What can change the answer?
Title and escrow fees, Florida doc stamps, the funding fee, prepaids, escrow setup, and lender fees within VA's allowable list. Non-allowable fees shift to seller or lender.
Want the real answer for your VA file?
VA guidelines are the rule. Your COE, entitlement, residual income, property, and Florida costs are what decide the actual answer.
More VA questions on Closing Costs
Educational only. VA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review.