Decide what happens to your current home

A framework, not a verdict

• Vanguard practice: weigh your timeline, ability to carry two housing costs, capacity to manage a property from a distance, local market conditions and family needs.
• Vanguard does not give tax, financial or property-management advice. Bring those questions to the right professionals.

If you have a VA loan

• Selling with a payoff, selling to a buyer who assumes the loan and keeping the home each affect your entitlement differently.
• Entitlement is generally restored when the home is sold and the loan paid in full. An assumption without substitution by an eligible veteran buyer can leave it tied to the loan.

Source: VA home loan entitlement and limits; VA Form 26-8978: Rights of VA Loan Borrowers; VA Form 26-10291: Assumption Entitlement Acknowledgment