VA Entitlement Calculator
Use our VA entitlement calculator if you already have a VA loan and your used entitlement will not be restored prior to closing on your new home.
Enter Entitlement Used to Calculate Required Down Payment
VA loans only require a down payment if you are currently using your VA home loan benefits with no plans to have them restored prior to your new purchase.
Entitlement restoration includes selling the home that is using the benefit or refinancing that VA loan into a conventional or other non-VA type loan.
Please choose a county.
| County Limit | |
| Entitlement Used | $0 |
| Available Entitlement | $0 |
Because you have $0 in used entitlement your maximum purchase price in county without having to make a down payment is $0.
Your new home purchase of $500,000 requires a $125,000 down payment.
2025 VA Tier 2 Calculator • Calculate Maximum VA Loan Amount & Tier 2 VA Entitlement
VA Loan Limit Changes
If you have no outstanding entitlement, there is no longer a loan limit imposed by the VA.
The VA has eliminated county loan limits effective January 1, 2020. Previously, VA homebuyers were limited to the corresponding county conforming loan limit when purchasing a home with 100% financing. When a home's purchase price exceeded the county loan limit in the past, a VA homebuyer would have been required to make a down payment. That is no longer the case.
Can I have more than one VA loan?
Yes. However, if you have entitlement in use that will not be restored, your new VA loan must still be over $144,000, and the Freddie Mac county loan limit will factor.
So yes, you can have more than one VA loan. Use the VA entitlement worksheet to calculate your maximum VA loan amount.
Your new VA loan must be on an owner occupied primary residence.
VA uses conforming loan limits established for Fannie Mae and Freddie Mac to determine maximum VA loan eligibility when there is entitlement in use that will not be restored.
If the home you are buying is more than your remaining entitlement allows, you can still use a VA loan if you put down 25% of the difference of the purchase price and maximum loan amount.
Helpful VA Loan Links
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Attacking Veteran Homelessness in the United States
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Thinking of Using a VA Loan? Four Quick Tips for VA Homebuyers
Using VA benefits to buy a home is not dissimilar to traditional financing, but there are a few things every VA homebuyer should know upfront.
Tips for Avoiding VA Loan Scams
Veteran's should be on the lookout for these new scams.
Booming Housing Market Poses Risks for Veterans Using VA Loans
VA home loan benefits are geared towards protecting VA homebuyers throughout the buying process. Those protections are making it more difficult to buy using a VA loan.
Department of Veterans Affairs to Provide Mortgage Relief in Wake of COVID-19
VA loan borrowers impacted financially by the coronavirus pandemic now have two additional options to help stave off foreclosure.