Calculate Your VA Entitlement
Understand your VA loan entitlement and how much you can borrow with $0 down payment.
Check Your VA Entitlement
Your Entitlement Status
Max Loan (No Down Payment)
No Limit
Entitlement Status
Full
Understanding VA Entitlement
- First-time users: No loan limit. You can borrow as much as a lender will approve with $0 down.
- Subsequent use: If you have an existing VA loan, county limits may apply for additional VA loans.
- Restoration: Your entitlement can be restored when you pay off an existing VA loan or sell the property.
VA Entitlement FAQ
What is VA loan entitlement?
VA entitlement is the amount the VA guarantees to pay the lender if you default on your loan. This guarantee allows lenders to offer VA loans with $0 down payment.
Can I use my entitlement more than once?
Yes! Your VA entitlement can be restored and reused. Once you pay off a VA loan, your entitlement is typically restored. You can also have multiple VA loans simultaneously if you have sufficient remaining entitlement.
Is there a limit on VA loan amounts?
For veterans with full entitlement (first-time use or fully restored), there is no loan limit. You can borrow as much as a lender will approve with $0 down. Limits only apply when you have existing VA loans.
How do I get my Certificate of Eligibility (COE)?
We can help you obtain your COE quickly. In most cases, we can retrieve it electronically through the VA's system. Contact us and we'll handle the process for you.