VA Entitlement Calculator
See how much VA entitlement you have left, the largest zero-down loan it supports, and whether a second VA loan needs a down payment.
Your VA loan history
Restored means the prior VA loan is paid off and VA processed the restoration.
Usually 25% of the original amount of the VA loan you still have. Your Certificate of Eligibility lists the exact figure.
The new loan
2026 baseline is $832,750. High-cost counties are higher.
Largest zero-down loan
Estimated$592,750
Based on $148,188 of entitlement still available.
You have $148,188 of guaranty left, which backs a zero-down loan up to $592,750. Your requested $400,000 loan needs no down payment.
Entitlement
What it supports
When part of your entitlement is in use, VA guarantees 25% of the county limit at most. Any loan above four times your remaining entitlement needs 25% of the overage as a down payment.
Max zero-down loan
$592,750
How VA entitlement works
Entitlement is the dollar amount VA will guarantee on your behalf — 25% of the loan. A borrower with full entitlement has no loan limit at all. Once part of it is tied up in a VA loan you still owe on, the county conforming limit caps the guaranty VA can provide, which is what creates a practical ceiling on a second zero-down loan.
The exact figure charged to your entitlement appears on your Certificate of Eligibility. Read the full explanation in the VA loan entitlement guide or see how county limits are set in the VA loan limits guide.
After you know your ceiling
Turn the number into a payment with the VA mortgage calculator, or check what you can qualify for with the VA affordability calculator.
Frequently asked questions
How much VA entitlement do I have left?
Your remaining entitlement is 25% of your county's one-unit conforming loan limit minus the guaranty still charged for any VA loan you have not paid off. That remaining guaranty supports a zero-down loan of four times its dollar amount.
Can I have two VA loans at the same time?
Yes. If you keep a home bought with a VA loan, your remaining entitlement can back a second VA loan. You may need a down payment on the new loan if the amount exceeds four times the entitlement you have left.
Do VA loan limits apply to me?
Not if you have full entitlement — since 2020 there is no VA loan limit for borrowers with full entitlement. County limits only cap the guaranty when part of your entitlement is still tied up in another loan.
How do I restore my entitlement?
Selling the home and paying off the VA loan restores entitlement in full. A one-time restoration is also available if you pay the loan off but keep the property. Restoration is requested through VA with Form 26-1880.
Sources and last verified
- VA funding fee rates: VA.gov funding fee and closing costs
- Rates effective April 7, 2023. Last verified August 31, 2026.
- Payments use standard amortization. No lender-specific pricing is applied.
- Every formula and assumption is documented in how we calculate.
Veteran Home Calc is an independent educational site. It is not affiliated with or endorsed by the U.S. Department of Veterans Affairs, and it does not sell leads or collect your numbers — results are estimates, not loan approvals, offers, or financial advice.