--- title: "Document Updates: Borrower and Spouse Data Population Enhancement on VA Loan Analysis (Cx5533)" description: Join the First American network of trusted title agents with comprehensive tools and resources. --- - Solutions - [Overview](https://docutech.com/solutions/) - [Document Solutions](https://docutech.com/solutions/document-solutions) - [eClosing](https://docutech.com/solutions/eclosing/) - [Document Generation](https://docutech.com/solutions/document-generation) - [Fulfillment](https://docutech.com/solutions/solutions-fulfillment) - Resources - [Overview](https://docutech.com/resources/) - [Solution Briefs](https://docutech.com/resources/solution-briefs) - [Request a Demo](https://docutech.com/docutech-request-a-demo) - [Compliance](https://docutech.com/resources/compliance) - [Blog](https://blog.docutech.com) - Partners - [Overview](https://docutech.com/partners/) - About Us - [Overview](https://docutech.com/about-us/) - [Contact Us](https://docutech.com/about-us/contact-us) - Let's Talk - Solutions - [Overview](https://www.docutech.com/solutions?hsLang=en) - [Document Solutions](https://www.docutech.com/solutions/document-solutions?hsLang=en) - [eClosing](https://www.docutech.com/solutions/eclosing?hsLang=en) - [Document Generation](https://www.docutech.com/solutions/document-generation?hsLang=en) - [Fulfillment](https://www.docutech.com/solutions/solutions-fulfillment?hsLang=en) - Resources - [Overview](https://www.docutech.com/resources?hsLang=en) - [Solution Briefs](https://www.docutech.com/resources/solution-briefs?hsLang=en) - [Request a Demo](https://www.docutech.com/docutech-request-a-demo?hsLang=en) - [Compliance](https://www.docutech.com/resources/compliance?hsLang=en) - [Blog](https://blog.docutech.com/) - Partners - [Overview](https://www.docutech.com/partners?hsLang=en) - About Us - [Overview](https://www.docutech.com/about-us?hsLang=en) - [Contact Us](https://www.docutech.com/about-us/contact-us?hsLang=en) # Document Updates: Borrower and Spouse Data Population Enhancement on VA Loan Analysis (Cx5533) Oct 7, 2026 Topics: [Document Updates](https://compliance.docutech.com/tag/document-updates) VA Form 26-6393, “VA Loan Analysis” (Cx5533), prints once for each borrower who is a veteran. Previously, some calculations involving combined borrower and spouse data assumed that the veteran was the first borrower in the applicable Uniform Residential Loan Application (“1003”) borrower pair. We are updating Cx5533 to identify the applicable 1003 borrower pair for the veteran whose copy of the document is printing. This allows combined borrower and spouse values to populate for the appropriate borrower pair regardless of whether the veteran is the first or second borrower in that pair. When the applicable 1003 does not indicate that there is a spouse, the individual borrower’s values will be used instead of combined borrower and spouse values. These updates affect data populated throughout the document, including: - liquid assets; - debts and obligations; - custom negative rental cash flow triggering logic; - job-related expenses; - monthly income and deductions; - total net effective income; - balance available for family support; and - Item 44, the calculated VA analysis ratio, when Back-end Ratio (FI 22267) is not provided. For example, the updated document uses the applicable 1003 borrower pair’s combined liquid assets and liability values, while using the applicable individual borrower’s values when no spouse is indicated. Similar updates have been made to the combined income, deduction, net effective income, residual income, and ratio calculations in Section E. #### Back-end Ratio and Item 44 Changes We have also updated the calculations used for Item 44 of the form. When the Back-end Ratio field (FI 22267) is imported, that value will continue to print in Item 44. These Item 44 calculation changes do not affect clients that provide FI 22267. When Back-end Ratio is not provided, ConformX will calculate Item 44 according to the formula shown on the VA Loan Analysis using the income and expenses represented on that particular copy of the form (Sum of Items 15, 16, 17, 18, 20 and 40 ÷ sum of Items 31 and 38). Related Section E expense calculations have also been corrected to support this calculation. This distinction is important for loans with more than two income-bearing borrowers. Each VA Loan Analysis can display income for only the veteran and the spouse/co-borrower represented on that copy, while a loan-level back-end ratio may take into account income from additional borrowers. As a result, lenders must determine which approach is appropriate for their loan: - To use a loan-level back-end ratio that accounts for all applicable borrowers, provide Back-end Ratio (FI 22267). On loans with additional borrowers, that value may not mathematically reconcile to the income displayed on an individual Cx5533. - To have Item 44 reconcile to the amounts displayed on the individual VA Loan Analysis, leave Back-end Ratio (FI 22267) empty. ConformX will calculate the ratio using the borrower or borrower-and-coborrower values shown on that copy. For loans where income from additional borrowers outside the pair shown on the form is used in the loan-level analysis, this calculated ratio may not represent the overall loan-level back-end ratio. Until the VA updates the form to accommodate additional borrowers or borrower pairs, lenders will need to choose between having Item 44 mathematically reconcile to the income shown on the individual form *or* using an overall loan-level back-end ratio that includes income from additional borrowers. These changes are available for testing on Stage & Stage 2 servers and will take effect on October 21, 2026. If you have any questions or concerns about these changes, please contact Client Support at 1.800.497.3584. *COM-7631* *DR-231173* ###### The preceding is for informational purposes only and is not and may not be construed as legal advice. No third-party entity may rely upon anything contained herein when making legal and/or other determinations regarding its practices, and such third party should consult with an attorney prior to embarking upon any specific course of action. [Return to Blog](https://compliance.docutech.com) ### Stay informed. --- Subscribe to emails to get notified when new content is published. ### Category / Topics [Document Updates](https://compliance.docutech.com/tag/document-updates) ### Recent Posts #### [Document Updates: Borrower and Spouse Data Population Enhancement on VA Loan Analysis (Cx5533)](https://compliance.docutech.com/document-updates-borrower-and-spouse-data-population-enhancement-on-va-loan-analysis-cx5533) Oct 7, 2026 #### [Document Updates: HUD-1 and HUD-1A for HELOCs (Cx14222 and Cx14223)](https://compliance.docutech.com/document-updates-hud-1-and-hud-1a-for-helocs-cx14222-and-cx14223) Oct 7, 2026 #### [Document Updates: Addition of Second Set of Print Conditions to West Virginia Supplemental Closing Statement (Cx19709)](https://compliance.docutech.com/document-updates-addition-of-second-set-of-print-conditions-to-west-virginia-supplemental-closing-statement-cx19709) Oct 7, 2026 The preceding is for informational purposes only and is not and may not be construed as legal advice. No third-party entity may rely upon anything contained herein when making legal and/or other determinations regarding its practices, and such third party should consult with an attorney prior to embarking upon any specific course of action. 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