VA Home Loan Entitlement Calculator

VA entitlement determines how much the government will guarantee on your loan — directly affecting your maximum no-down-payment purchase price. Calculate your full, remaining, and bonus entitlement based on your service history and any prior VA loans.

Your Entitlement Details

County Loan Limit (2024)

Custom County Limit ($, if above)

Prior VA Loan Balance ($)

Prior Entitlement Used ($)

First-Time VA Loan Use?

Prior VA Loan Paid Off / Sold?

Basic Entitlement

Bonus Entitlement

Remaining

VA entitlement works in two tiers: basic ($36,000) and bonus/Tier 2 entitlement (25% of the county loan limit minus basic). Veterans with full entitlement can borrow up to the county conforming loan limit with no down payment. Your Certificate of Eligibility (COE) shows your available entitlement — request it at va.gov or through your lender.