Know Your Numbers
VA Entitlement Calculator
VA Loan Entitlement Calculator
If you are trying to understand how much you can purchase with a VA loan, this calculator helps clarify your numbers. VA entitlement can feel confusing, especially if you have used your benefit before.
This tool estimates your remaining entitlement, your county loan limit, and the maximum VA loan you may be able to obtain with zero down payment.
Understanding Entitlement
How VA Entitlement Works
VA entitlement is not “used up” the way many assume. It is a guarantee the VA provides to the lender. How much you have available depends on where you are buying, how much entitlement is tied to an existing VA loan, and whether your entitlement has been restored.
This calculator uses current county loan limits and the information from your Certificate of Eligibility to provide an estimate. Select the state and county, enter your estimated purchase price, and input the total VA entitlement already used to see your projected zero down buying power.
Purchase Location
County loan limits vary and directly affect your maximum zero-down amount.
Entitlement Already Used
If entitlement is tied to an existing VA loan, it reduces what is available for a new purchase.
Restoration Status
Entitlement can sometimes be restored after a sale or refinance, making the full benefit available again.
What You Will See
What This Calculator Estimates
Remaining Entitlement
The VA entitlement available for a new purchase based on what has already been used.
County Loan Limit
The conforming loan limit for the selected county, which determines the zero-down threshold.
Maximum VA Loan
The largest VA loan amount you may be able to obtain without a down payment.
Estimated Down Payment
If your purchase price exceeds your zero-down limit, the estimated amount you would need to bring.
Run Your Numbers
Entitlement Calculator
- Certificate of Eligibility (COE): Shows your exact VA entitlement used. Check or download your COE here .
- Existing VA loan: Take 25% of your original loan amount as a rough estimate.
- First-time user: This calculator may not apply. First-time VA users typically have no loan limit and no required down payment.
This calculator is provided for educational and informational purposes only. Results are estimates and do not constitute a loan approval, commitment, or guarantee of eligibility.
Your COE
Where to Find Your VA Entitlement Used
Your Certificate of Eligibility shows the exact amount of entitlement currently charged to an existing VA loan. You will need this number to get an accurate estimate from the calculator above.
You can download your COE by logging into your VA account and following the steps linked below.
Resources
If you want help reviewing your numbers or thinking through your next move in California, connect with us here. We are happy to walk through it with you.
Need Help With Your Numbers?
If you want to walk through your entitlement, discuss a potential purchase, or map out your VA loan strategy, we are happy to review it with you.