Congress·In Committee·H.R. 1803

Veterans Housing: VA Loans for Co-op Apartments

Fair Access to Co-ops for Veterans Act of 2025

Legislative Progress

House

Senate

President

Law

This bill makes it a permanent rule that veterans can use VA home loans to buy apartments in co-op buildings. Currently, this benefit is often temporary or difficult to access, but this change would make it a standard part of the VA loan program for the long term.
The Department of Veterans Affairs would be required to create clear, modern rules for these loans. By making the process similar to other common mortgages, it becomes easier for banks to approve loans for veterans who want to live in co-op housing instead of traditional houses.
To help cover the costs of the program, veterans using a VA loan for a co-op would pay an additional 3.25% fee on top of standard loan costs. The bill also requires the government to run an advertising campaign to ensure veterans, real estate agents, and banks are aware of this housing option.

3 milestones6 actions

Feb 24, 2026House

Forwarded by Subcommittee to Full Committee by Voice Vote.

Feb 24, 2026House

Subcommittee Consideration and Mark-up Session Held

Mar 11, 2025House

Subcommittee Hearings Held

Mar 10, 2025House

Referred to the Subcommittee on Economic Opportunity.

Mar 3, 2025House

Referred to the House Committee on Veterans' Affairs.

Document Type

Congressional Bill

Official Title

Fair Access to Co-ops for Veterans Act of 2025

Bill NumberHR 1803

Congress119th Congress

ChamberHouse of Representatives

Latest ActionForwarded by Subcommittee to Full Committee by Voice Vote.

(4)

D: 2R: 2

Congress.gov

Official legislative information

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