Housing

Veterans' Mortgage Life Insurance (VMLI)

Mortgage life insurance of up to $200,000, paid to the lender, for a veteran under 70 who has received a Specially Adapted Housing grant.

Also called: VMLI, mortgage insurance, SAH mortgage.

For: Veteran or service member.

Where it applies

Applies in states and territories.

Federal

VMLI pays off up to $200,000 of the mortgage on an adapted home if the veteran dies. The benefit goes to the lender, not to the family, and equals the amount still owed up to the cap. A veteran qualifies when they have a severe service-connected disability, have received a Specially Adapted Housing grant to adapt a home, hold title to the home, have a mortgage on it, and apply before turning 70. A VA housing agent helps fill out VA Form 29-8636; coverage ends at 70 or when the mortgage is paid off.

Thresholds

Thresholds for Veterans' Mortgage Life Insurance (VMLI)
Gate	Rule
Specially Adapted Housing grantee under 70	The veteran must have received an SAH grant and apply before 70.

Documents the source lists

What the official source lists for an application, and where to get each document. It is a reference read from the source, not a full list of what the office may ask for; check with the office or an accredited representative before you apply. Needed means the source asks for it; Helps means the source calls it optional or says it speeds things up.

Needed Veterans’ Mortgage Life Insurance Statement (VA Form 29-8636)
Your loan guaranty agent helps you fill it out.
Where to get it Download it from VA.gov, or ask a VA regional office or an accredited representative for a copy.
Listed by VA, Veterans’ Mortgage Life Insurance (VMLI) read 2026-10-10
Needed Your mortgage’s current balance and the number of payments left
Where to get it Your mortgage statement or lender.
Listed by VA, Veterans’ Mortgage Life Insurance (VMLI) read 2026-10-10

Figures

Each figure is dated with the day it was read. A local figure moves whenever the statute or the local ordinance does, so confirm it with the office that grants it before you rely on it. Statute verified gives the day the weekly section check last found the statute standing on the legislature’s own code site; a figure without it rests on a statute the check does not read yet.

Dated figures for Veterans' Mortgage Life Insurance (VMLI)
Figure	Amount	Read from
Maximum coverage	$200,00038 U.S.C. 2106	Veterans' Mortgage Life Insurance (VMLI)Read 2026-10-08

Sources

Veterans' Mortgage Life Insurance (VMLI)Official

Updated

Last updated 2026-10-08.

What changed then:

First published.

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Disclaimer

VetTOC is not affiliated with the U.S. Department of Veterans Affairs or the Department of Defense. Information is for reference only and is not an eligibility determination. Verify with VA, the relevant state or territory, or an accredited VSO.