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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.
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 $500,000.
Your new home purchase of $500,000 requires a $0 down payment.
If you have no outstanding entitlement, there is not a loan limit imposed by the VA. However, your VA lender may impose their own maximum loan amount.
The VA eliminated county loan limits effective January 1, 2020, on first-time use and subsequent use VA loans where entitlement has been restored.
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. You'll want to ensure you can handle the new VA loan payment in addition to your existing one.
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.
Learn everything about VA loans, their benefits, and how to qualify. Discover why they’re a top choice for eligible homebuyers in 2025.
VA loans likely have the best mortgage terms available in the marketplace. Why aren’t more veterans using them?
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