VA Loan Entitlement Calculator 2026
Calculate your VA basic and bonus entitlement, max loan amount with $0 down, and remaining entitlement after previous use. Free, instant, no SSN required.
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Calculate your entitlement, then get pre-approved with top VA lenders. $0 down, no PMI ever.
📊 VA Entitlement Calculator
Standard: $832,750 | High-cost: up to $1,209,750
Enter $0 if you have never used a VA loan before
Enter 0 for no down payment
🎖️ How VA Loan Entitlement Works
Your VA loan entitlement is the amount the Department of Veterans Affairs guarantees to your lender. It is NOT a loan limit — it is a guarantee. The VA guarantees 25% of your loan amount, up to your county conforming loan limit.
📋 VA Entitlement Formula (2026):
- • Basic Entitlement: $36,000 (fixed, same for all counties)
- • Bonus Entitlement: (County Limit - $144,000) x 25%
- • Total Entitlement: Basic + Bonus
- • Max Loan ($0 down): County Conforming Limit
- • With used entitlement: Down payment = 25% of (Loan - Remaining Entitlement x 4)
💰 VA Loan Limits by County Type (2026)
| County Type | Conforming Limit | Basic Entitlement | Bonus Entitlement | Total Entitlement | Max $0 Down |
|---|---|---|---|---|---|
| Standard County | $832,750 | $36,000 | $172,188 | $208,188 | $832,750 |
| High-Cost County | $1,209,750 | $36,000 | $266,438 | $302,438 | $1,209,750 |
| Low-Cost County | $724,750 | $36,000 | $145,188 | $181,188 | $724,750 |
📝 How to Check Your Entitlement
Get Your COE (Certificate of Eligibility)
Request your COE from the VA at va.gov or ask your lender to obtain it. The COE shows your entitlement amount and any used entitlement.
Check Your County Limit
Look up your county conforming loan limit at FHFA.gov. Most counties are $832,750 in 2026.
Use This Calculator
Enter your county limit and any used entitlement from your COE. The calculator shows your remaining entitlement and max loan amount.
Get Pre-Approved
Take your COE and entitlement calculation to a VA-approved lender. Compare VA lenders →
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❓ VA Entitlement FAQ
What is VA loan entitlement?
VA entitlement is the guarantee amount the VA provides to your lender. Basic: $36,000. Bonus: up to $172,188+ depending on county. Total covers loans up to $832,750+ with $0 down. Get pre-approved →
Can I have two VA loans at once?
Yes, with remaining entitlement and valid reason (PCS, relocation, family growth). Second loan limited by remaining entitlement. Compare VA lenders →
How do I restore my VA entitlement?
Sell previous home, pay off VA loan, submit VA Form 26-1880. Takes 2-6 weeks. One-time restoration available. Check refinance options →
What is the VA funding fee in 2026?
First use: 2.15% (regular), 1.5% (reserves). Subsequent: 3.3%. 5%+ down: 1.5%. 10%+ down: 1.25%. 10%+ disabled: exempt. Get pre-approved →