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VA partial claims: every servicer must offer them by Nov. 28, 2026

Short answer

The VA Partial Claim Program launched on June 15, 2026, under the VA Home Loan Program Reform Act. It lets servicers bring a delinquent VA loan current after three trial payments, with VA paying the arrears as a no-payment second lien. Servicers can offer it now and must comply by November 28, 2026. Pennymac was the first large servicer to roll it out, in August.

Last reviewed · Chicago VA Loans editorial team · How we check facts

Timeline

  • July 30, 2025: Reform Act signed.
  • June 1, 2026: VA finalizes the updated loss-mitigation waterfall and partial claim rules.
  • June 15, 2026: Servicers may start submitting trial payment plans.
  • August 2026: Pennymac becomes the first large servicer to implement it.
  • Nov. 28, 2026: Compliance deadline for all servicers.

What to ask your servicer

  • Are you accepting partial claim reviews now? If not, on what date?
  • Which step of VA’s waterfall am I being reviewed for?
  • Will a prior COVID-era partial claim on this loan affect me?

Full details on our options page for homeowners behind on payments.

Common questions

When does the VA Partial Claim Program start?

VA launched it June 15, 2026. All servicers must be able to offer it by November 28, 2026.

Sources

  1. VA launches Partial Claim Program, VA (June 15, 2026)
  2. VA launches new partial claim program, National Association of Realtors
  3. Pennymac rolls out VA partial claims, The Close (Aug. 10, 2026)

Related guides

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An independent guide. Not affiliated with or endorsed by the U.S. Department of Veterans Affairs, and not a lender. General information, not legal, tax or financial advice.

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