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Using VA Benefits for Income Verification

This article explains what VA benefits count as income, how to use your VA Benefit Letter for verification, and what other documents are accepted if needed.

Written by Georges B.
Updated over 5 months ago

If you receive monthly payments from the U.S. Department of Veterans Affairs (VA), this income can be used to help you qualify for your rental application. The most common and reliable document used to verify this income is the VA Benefit Letter (also called the VA Award Letter or VA Benefit Summary Letter).

What Are VA Benefits?

VA benefits are payments provided to eligible veterans, service members, or their families. Common types include:

  • Disability Compensation - For veterans with service-connected disabilities.

  • VA Pension - Needs-based benefit for wartime veterans with limited income.

  • Survivor Benefits (DIC) - For spouses or dependents of deceased veterans.

  • Other recurring VA payments - Such as education allowances.

If you receive any of these benefits monthly, they can count as verified income for your rental application.

What Is a VA Benefit Letter?

The VA Benefit Letter (also called a VA Award Letter or Benefit Summary Letter) is the preferred document for verifying your VA income.

It’s an official statement from the Department of Veterans Affairs that confirms:

  • Your name and benefit type

  • Your current monthly payment amount

  • The effective date of your benefit

  • Your current benefit status

This letter provides all the information of your VA benefits for Two Dots to verify your income quickly.

How to Get Your VA Benefit Letter

You can download your VA Benefit Letter anytime from your VA.gov account.

Here’s how:

  1. Go to VA.gov.

  2. Sign in to your account or create one if you haven’t used the service before.

  3. Select “My VA” → “Documents and Records” → “VA Letters.”

  4. Choose “Benefit Summary and Service Verification Letter.”

  5. Download your VA benefit letter as a PDF.

DO NOT ALTER OR REDACT anything in the letter for easy verification. DO NOT OPEN the downloaded document in a viewer or editor.

Other Documents You Can Use

If you don’t have your Benefit Letter available, or if you have only an image or scanned copy of your VA Benefit Letter, you must also submit one of the following:

  • Recent Bank Statements

    • Must show deposits from “VA Benefit” or “U.S. Department of Veterans Affairs.”

    • Must be a full digital PDF downloaded directly from the bank’s website or app.

  • A Bank link

    • A highly secure and efficient way to verify your VA benefits. We partner with Stripe.

    • Simply click “Connect my bank account” to proceed.

Form 1099, VA 1099, or any other VA Forms are not acceptable. These documents are not verifiable on our end.

How to Submit Your Documents

When completing the income verification in Two Dots;

  1. Choose “Benefits” → “VA benefits” from the income selection screen.

  2. Upload your PDF VA benefit letter downloaded directly from the VA website using the invite link we sent, or click “Upload documents”.

  3. Make sure your document is clear, legible, and up to date (within a month).

  4. Ensure that your document is in PDF, original, and unaltered.

  5. Make sure NOT to open the document from an editor or app before uploading to Two Dots. This will ensure that the document is verifiable.

  6. If you’re having trouble uploading it, you can email us at applicant.support@twodots.net and attach your document.

  7. You can also reach out to us by hitting “Support” → ”Send us a message”.

Please DO NOT upload images, scans, or screenshots of your income documents, as we are unable to verify these formats.

Tips for a Smooth Verification

  • Make sure to submit the original digital PDF of your VA benefit letter downloaded directly from the VA website or app.

  • Submitting both your VA Benefit Letter and your recent bank statement can help verify your income faster.

  • Connect your bank account showing the VA deposits for faster verification.

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