VA Entitlement Calculator

State

County

Purchase Price

VA Entitlement Used

Enter the amount of entitlement used from your Certificate of Eligibility (COE).

Enter VA Entitlement Used

VA loans may require a down payment when your certificate of eligibility (COE) shows entitlement in use.

If entitlement is not restored, Tier II entitlement is available. However, a down payment may be required.

Alternatively, entitlement can be restored by paying off the existing VA loan.

Please choose a county.

VA Loan Summary

Purchase Price$500,000

VA Loan Amount$500,000

Down Payment$0

Given your inputs, this is how your new VA loan can be structured.

Entitlement Details

County Limit
Entitlement Used	$0
Available Entitlement	$0.00

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.

2026 VA Tier 2 Calculator • Calculate Maximum VA Loan Amount & Tier 2 VA Entitlement

2026 VA Loan Limits

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.

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. 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.