VA remaining entitlement calculator
Already have a VA loan? See how much you may be able to borrow with no down payment, county by county.
Estimates only, based on the numbers you enter. Not an offer of credit or a loan approval.
How remaining entitlement works
If you still have a VA loan from a past duty station, part of your entitlement is tied up in it.
Your remaining entitlement, together with your county's 2026 conforming limit, sets how much you can borrow with no down payment.
VA home loans · California loan limits · Funding fee calculator
Good to know
How does VA figure remaining entitlement?
Take your county's one-unit limit, multiply by 25%, and subtract the entitlement already charged on your Certificate of Eligibility. Most lenders lend up to four times what's left with no down payment.
What's VA's own example?
A $900,000 county limit with $50,000 used leaves $175,000 of entitlement, so most lenders would lend up to $700,000 with no down payment.
What if I have full entitlement?
Then VA says you don't have a loan limit. You still need lender approval and an appraisal.
Can I go above the amount shown?
Yes, with a down payment covering part of the difference. We'll show you the options.
MTG Wholesale is a private mortgage broker. We are not affiliated with or endorsed by the U.S. Department of Veterans Affairs, the Department of Defense or any branch of the military. VA-backed loans are subject to eligibility, lender approval and appraisal. Not an offer of credit.