--- title: "Document Updates: West Virginia Ability-to-Repay Worksheet (Cx21375)" 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: West Virginia Ability-to-Repay Worksheet (Cx21375) Apr 22, 2026 Topics: [Document Updates](https://compliance.docutech.com/tag/document-updates) Earlier this month, the West Virginia Division of Financial Institutions adopted provisions relating to its Residential Mortgage Lenders, Brokers, and Loan Originators Rules that affect the configurations for Cx21375 “WV Ability-to-Repay Worksheet”. These provisions are effective on May 1, 2026. W. Va. Code St. R. § 106-5-11.2 will now state: If a borrower’s household debt-to-income ratio will exceed 50 percent upon the extension of new residential mortgage loan as determined from a credit report, credit application, financial statement, then the broker and initial lender must document, in writing and maintain in accordance with the provisions of subsections 3.1.30. or 6.1.24. of this rule, an assessment of the borrower’s ability to repay the loan according to its terms. Such assessment must be signed by the lender or the lender's representative and the borrower(s) ***Such assessment must be provided to the borrower(s)*** and must consider the household’s current debt obligations, the term of the loan, and the borrower(s) circumstances along with their current and projected income and assets, other than a security interest in the real estate taken to secure the loan. A new section W. Va. Code St. R. § 106-5-11.4 has been created which states: The requirement of subsection 11.2 of this rule shall not apply if the loan originated is insured or guaranteed by an agency of the federal government and meets the qualifications established by the insuring or guaranteeing federal agency. This includes, but is not limited to, Federal Housing Administration within the Department of Housing and Urban Development, Veteran’s Administration, and U.S. Department of Agriculture Rural Development loans. The changes to Cx21375 are: - The original Base Type configuration of “Conventional, FHA, and RD” has been updated to reflect “Conventional” only; and - All signature lines and associated language have been removed. These changes are available for testing on Stage & Stage 2 servers and will take effect on May 1, 2026. If you have any questions or concerns about these changes, please contact Client Support at 1.800.497.3584. *LEG-3743 DR-219104* ###### 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: New Intangible Tax Exemption Field for Georgia Security Deeds and Loan Modifications](https://compliance.docutech.com/document-updates-new-intangible-tax-exemption-field-for-georgia-security-deeds-and-loan-modifications) Apr 22, 2026 #### [Document Updates: West Virginia Supplemental Closing Statement (Cx19709)](https://compliance.docutech.com/document-updates-west-virginia-supplemental-closing-statement-cx19709) Apr 22, 2026 #### [Document Updates: Nebraska Requests for Notice of Default (Cx496 and Cx3044)](https://compliance.docutech.com/document-updates-nebraska-requests-for-notice-of-default-cx496-and-cx3044) Apr 22, 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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