Yes, and VA actually has a more defined path for this than most loan types. VA loans carry a statutory release-of-liability process tied to loan assumption. The person keeping the home applies to take over the existing loan, the loan holder (with VA oversight) approves them as creditworthy, they occupy the property, and an assumption funding fee applies. Once approved, the departing spouse can be formally released from liability on the loan. One wrinkle for the veteran: the entitlement backing the loan generally stays tied up unless another eligible veteran substitutes their own, so a veteran walking away from the home should ask specifically about entitlement before agreeing to an assumption. The common thread across every program is that the remaining borrower has to qualify for the payment on their own. Where VA differs from conventional and jumbo loans is that those generally have no true release-of-liability mechanism short of refinancing, which is exactly why this question stings when the existing rate sits far below the market. Nobody wants to give up that rate, and an assumption preserves the loan as it is. Set realistic expectations, though. It comes down heavily to the servicer's process, and we have not personally had a client get a spouse released from liability without either a refinance or a formal assumption. Start by calling the servicer, ask specifically about assumption and release of liability, and get their requirements in writing. And loop in your divorce attorney, because who stays on the loan and who stays on title are separate questions that both matter.