VA Appraisal
Direct definition
A VA appraisal is a property valuation required for VA-guaranteed loans that also checks the home against VA minimum property requirements.
Written by the Vabasso Mortgage Editorial Team · Reviewed against agency and federal sources · Read our editorial policy for how we research and review mortgage content
Plain-English explanation
In addition to estimating market value, a VA appraisal evaluates whether the property meets minimum property requirements for health and safety set by the VA. The appraisal is completed by a VA-approved appraiser and results in a Notice of Value.
Why it matters
Because it combines valuation with a property condition check, a VA appraisal can flag repair items that need to be addressed before closing.
Where you may see it
- Notice of Value
- VA loan file
A real-world example
Educational and illustrative only
A common misunderstanding
A VA appraisal is not the same as a home inspection — it focuses on value and minimum property requirements, not a comprehensive condition review.
Frequently asked
Should I still get a home inspection with a VA appraisal?+
Many buyers choose to get an independent home inspection in addition to the VA appraisal, since the appraisal is not a substitute for a full inspection.
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- Author
- Vabasso Mortgage Editorial Team
- Reviewed by
- Vabasso Mortgage Licensed Advisory Team
- Last reviewed
- July 30, 2026