HR5420-119

What This Bill Does

The VA Extenders Act of 2025 is a veterans-program continuity and mortgage-servicing package. It extends for one year many authorities scheduled to lapse: VA copayment collection for hospital and nursing-home care, mandatory nursing-home care for certain service-connected disabled veterans, the Staff Sergeant Parker Gordon Fox Suicide Prevention Grant Program, funding for the Rural Access Network for Growth Enhancement mental health program, quarterly PACT Act toxic-exposure presumption briefings, restoration of education entitlement when schools close or are disapproved, contractor medical professional licensure flexibility for disability exams, homeless women veterans and homeless veterans with children reintegration grants, supportive services for very low-income veteran families in permanent housing, grants for homeless veterans with special needs, specially adapted housing assistive technology grants, equitable-relief reporting, and the vendee loan program. It also rewrites parts of VA's Partial Claim Program so VA may pair partial claims with loan purchases only when consistent with loss-mitigation rules, extends a key borrower timeline from 120 to 180 days, clarifies how partial claims affect guarantees, liability, administrative costs, interest, and nonjudicial sales, allows guidance before regulations, and requires GAO to report annually on program performance, VA loan denials, refinancing, delinquency, other loss-mitigation options, lessons from COVID-19 partial claims, and taxpayer costs compared with other federal housing agencies.

Who Benefits and How

Veterans receiving nursing home care benefit because VA's mandatory care authority for certain service-connected disabilities is extended through September 30, 2026. Veterans facing foreclosure benefit from Partial Claim Program improvements and GAO oversight of redefault, foreclosure, and loss-mitigation outcomes. Homeless women veterans benefit from extended authorization for reintegration grants. Veteran families in permanent housing benefit from extended supportive-services funding for very low-income households.

Who Bears the Burden and How

Department of Veterans Affairs program staff must continue and administer the extended health, homelessness, education, benefits, and housing authorities. VA loan servicers must apply revised partial-claim, servicing, sale, and borrower-liability rules. GAO analysts must produce recurring Partial Claim Program and VA mortgage reports. Federal taxpayers fund the extended authorizations, grants, and possible partial-claim or loan-purchase exposure.

Key Provisions

• Extends VA health care, mental health, toxic-exposure, education, homelessness, housing, and reporting authorities through 2026.
• Improves VA Partial Claim Program rules for loan purchases, borrower liability, administrative costs, interest, and nonjudicial sales.
• Extends the partial-claim borrower timeline from 120 to 180 days.
• Requires annual GAO reports on partial claims, redefaults, foreclosures, VA loan activity, delinquencies, and taxpayer costs.
• Allows VA to issue Partial Claim Program guidance before formal regulations.