Maybe I am over thinking it but we would like to build a small house but we do not have land yet. Will a VA loan cover the cost of land with intention to build a house? What would we need to prove that for a VA loan ?


Hi Sbellonby,

I have sent your question over to our mortgage department and will update when I have an answer! Thank you!

I'm looking at purchasing a residential lot to build a home on within the next 2 years. Does USAA or the VA allow a VA loan to purchase land?

I went through a local credit union for a land loan and was successful. You could also look into the USDA Rural Development Loan program. Good luck. 



Thank you for reaching out in the Community. USAA does not finance land only purchases. However, we may be able to discuss other options with you. Please contact one of our mortgage specialists at 210-531-USAA (8722) in order to discuss what options USAA has for you.

Thank you for your dedication and service to our country. We look forward to the opportunity to speak with you further. -Gus