VA Entitlement Calculator

VA entitlement is the amount the Department of Veterans Affairs guarantees on your home loan. This guaranty reduces the risk for lenders, which is why VA loans typically require no down payment. Your entitlement has two tiers: basic entitlement ($36,000) and secondary (or bonus) entitlement based on your county's loan limit.

Full entitlement means you have never used your VA loan benefit, or you have fully restored it after paying off a previous VA loan. With full entitlement, there is no loan limit (thanks to the Blue Water Navy Vietnam Veterans Act of 2019). Partial entitlement means some of your guaranty is still tied to an existing VA loan, which may limit how much you can borrow without a down payment.

The funding fee is a percentage of your loan amount. For first-time VA loan users with no down payment, the fee is 2.15%. For subsequent use with no down payment, it is 3.30%. Putting 5% or more down reduces the fee to 1.50%, and 10% or more reduces it to 1.25%. Veterans with a service-connected disability are typically exempt.

Yes. You can use your VA loan benefit multiple times. If you pay off a previous VA loan and sell the property (or refinance into a non-VA loan), you can restore your full entitlement. You can also use remaining partial entitlement for a second VA loan while still paying on the first.

The 2025 baseline conforming loan limit is $766,550 for a single-unit property. High-cost areas have higher limits, up to $1,149,825. These limits affect partial entitlement calculations but do not apply to veterans with full entitlement.

Veterans receiving VA disability compensation, those rated eligible for compensation but receiving retirement pay, surviving spouses receiving Dependency and Indemnity Compensation (DIC), and active-duty Purple Heart recipients are generally exempt. Confirm your exemption status with the VA or your lender.