VA Appraisal & Notice of Value (NOV)
VA Appraisal & Notice of Value (NOV) is central to a smooth VA approval — here are the 2026 rules and the numbers that matter.
The rule for 2026
A VA appraisal sets the home's value (the Notice of Value) and checks Minimum Property Requirements. If it comes in low, the VA's Tidewater process and a Reconsideration of Value give you a chance to respond before the deal is affected.
The VA sets the baseline, but approved lenders can add stricter "overlays." Meet the VA standard first, then confirm whether your lender layers anything on top.
Documentation you'll need
- Certificate of Eligibility (COE)
- Pay stubs or LES (active duty) and two years of W-2s/returns
- Two months of bank statements
- Explanation letters for any credit events
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Frequently Asked Questions
- VA Appraisal & Notice of Value (NOV) — what's the bottom line for 2026?
- A VA appraisal sets the home's value (the Notice of Value) and checks Minimum Property Requirements. If it comes in low, the VA's Tidewater process and a Reconsideration of Value give you a chance to respond before the deal is affected.
- Does this affect my $0 down or PMI?
- No — the VA benefit's zero down payment and no monthly mortgage insurance apply throughout.