diff --git a/.changeset/complete-unmounted-field-meta.md b/.changeset/complete-unmounted-field-meta.md
new file mode 100644
index 0000000000..483c905d44
--- /dev/null
+++ b/.changeset/complete-unmounted-field-meta.md
@@ -0,0 +1,5 @@
+---
+'@tanstack/form-core': patch
+---
+
+Fix `form.setFieldValue()` creating incomplete metadata for a field that is not mounted yet. A `FormGroup` validator that later reports an error for that field no longer throws `TypeError: Cannot read properties of undefined (reading 'onChange')`, and the error is assigned to the field.
diff --git a/packages/form-core/src/FormApi.ts b/packages/form-core/src/FormApi.ts
index 4400017d30..63259e6470 100644
--- a/packages/form-core/src/FormApi.ts
+++ b/packages/form-core/src/FormApi.ts
@@ -2659,13 +2659,12 @@ export class FormApi<
 
     batch(() => {
       if (!dontUpdateMeta) {
-        this.setFieldMeta(field, (prev) => ({
+        this.setFieldMeta(field, (prev = defaultFieldMeta) => ({
           ...prev,
           isTouched: true,
           isDirty: true,
           errorMap: {
-            // eslint-disable-next-line @typescript-eslint/no-unnecessary-condition
-            ...prev?.errorMap,
+            ...prev.errorMap,
             onMount: undefined,
           },
         }))
diff --git a/packages/form-core/tests/FormApi.spec.ts b/packages/form-core/tests/FormApi.spec.ts
index c57bb044e8..858c489ded 100644
--- a/packages/form-core/tests/FormApi.spec.ts
+++ b/packages/form-core/tests/FormApi.spec.ts
@@ -279,6 +279,63 @@ describe('form api', () => {
     expect(form.state.isPristine).toBe(false)
   })
 
+  it('should create complete field meta when setting the value of an unmounted field', () => {
+    const form = new FormApi({
+      defaultValues: {
+        name: 'test',
+      },
+    })
+    form.mount()
+
+    form.setFieldValue('name', 'other')
+
+    expect(form.getFieldMeta('name')).toMatchObject({
+      isTouched: true,
+      isDirty: true,
+      isBlurred: false,
+      isValidating: false,
+      errorMap: { onMount: undefined },
+      errorSourceMap: {},
+      errors: [],
+    })
+  })
+
+  it('should preserve existing field meta when setting a field value', () => {
+    const form = new FormApi({
+      defaultValues: {
+        name: 'test',
+      },
+    })
+    form.mount()
+
+    const field = new FieldApi({
+      form,
+      name: 'name',
+      validators: {
+        onMount: () => 'mount error',
+      },
+    })
+    field.mount()
+
+    form.setFieldMeta('name', (prev) => ({
+      ...prev,
+      isBlurred: true,
+      errorMap: { ...prev.errorMap, onBlur: 'blur error' },
+      errorSourceMap: { ...prev.errorSourceMap, onBlur: 'field' },
+    }))
+
+    form.setFieldValue('name', 'other')
+
+    const meta = form.getFieldMeta('name')
+    expect(meta?.isBlurred).toBe(true)
+    expect(meta?.errorMap.onMount).toBeUndefined()
+    expect(meta?.errorMap.onBlur).toBe('blur error')
+    expect(meta?.errorSourceMap).toMatchObject({
+      onMount: 'field',
+      onBlur: 'field',
+    })
+  })
+
   it('should be clean again after being reset from a dirty state', () => {
     const form = new FormApi({
       defaultValues: {
diff --git a/packages/form-core/tests/FormGroupApi.spec.ts b/packages/form-core/tests/FormGroupApi.spec.ts
index 02d684fc1b..d24494dcf6 100644
--- a/packages/form-core/tests/FormGroupApi.spec.ts
+++ b/packages/form-core/tests/FormGroupApi.spec.ts
@@ -585,6 +585,61 @@ describe('form group api', () => {
     )
   })
 
+  it('Should distribute group field errors to an unmounted field previously written with setFieldValue', () => {
+    const form = new FormApi({
+      defaultValues: {
+        launch: {
+          type: 'manual',
+          price: undefined as number | undefined,
+        },
+      },
+    })
+    form.mount()
+
+    const group = new FormGroupApi({
+      form,
+      name: 'launch',
+      validators: {
+        onChange: ({ value }) =>
+          value.type === 'exclusive' && value.price === undefined
+            ? { fields: { price: 'Price is required' } }
+            : undefined,
+      },
+    })
+    group.mount()
+
+    const typeField = new FieldApi({
+      form,
+      name: 'launch.type',
+    })
+    typeField.mount()
+
+    form.setFieldValue('launch.price', undefined)
+
+    expect(() => typeField.handleChange('exclusive')).not.toThrow()
+
+    expect(form.getFieldMeta('launch.price')?.errorMap.onChange).toBe(
+      'Price is required',
+    )
+    expect(form.getFieldMeta('launch.price')?.errorSourceMap.onChange).toBe(
+      'form',
+    )
+    expect(group.state.meta.isFieldsValid).toBe(false)
+
+    const priceField = new FieldApi({
+      form,
+      name: 'launch.price',
+    })
+    priceField.mount()
+
+    expect(priceField.state.meta.errors).toEqual(['Price is required'])
+
+    priceField.handleChange(10)
+
+    expect(priceField.state.meta.errorMap.onChange).toBeUndefined()
+    expect(group.state.meta.isFieldsValid).toBe(true)
+  })
+
   it('Should propagate manual function field errors from group validators to child fields', async () => {
     const onSubmit = vi.fn()