VA Entitlement &
Subsequent Use Calculator
Instantly calculate your remaining VA entitlement, maximum zero-down purchase price, and VA funding fee — including partial entitlement and high-cost county limits.
Ready to use your VA benefit? As your Mortgage Broker and Realtor, I handle both sides — no confusion, no gaps, no referral fees lost.
Talk to Stacy Ann Stephens →What Is VA Entitlement?
VA entitlement is the dollar amount the Department of Veterans Affairs guarantees on your behalf — typically 25% of the loan. Lenders use this guarantee in place of a down payment, which is why most veterans with full entitlement can buy with $0 down and no loan limit.
For 2026, the national conforming loan limit is $832,750. Veterans with full entitlement are not bound by this figure. Veterans with remaining (partial) entitlement are.
Subsequent Use Explained
If you’ve used a VA loan and still own that property, your entitlement is “tied up.” You still have remaining entitlement based on the county loan limit. The formula: (County Limit × 25%) − Entitlement Used = Remaining Entitlement. Multiply remaining entitlement × 4 to find your max zero-down loan amount.
VA Funding Fee 2026
The VA funding fee is a one-time cost paid at closing (or rolled into the loan). First-time users pay 2.15% with 0% down. Subsequent users pay 3.30%. Both groups get reduced rates at 5% down (1.5%) or 10%+ down (1.25%). Disabled veterans and surviving spouses receiving DIC are typically exempt.
Frequently Asked Questions
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The 2026 national baseline conforming loan limit is $832,750. Veterans with full entitlement have no loan limit — the VA will guarantee 25% of any loan amount. Veterans with partial entitlement are subject to county-specific limits, which range up to $1,209,750 in the highest-cost areas.
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Take your county’s conforming loan limit and multiply by 0.25 to get the maximum guarantee. Subtract the entitlement already tied to another property. The result is your remaining entitlement. Multiply that by 4 to find your maximum zero-down purchase price.
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Yes. VA benefits can be used multiple times. You may have remaining entitlement for a second home, or you can restore full entitlement by selling the previous property and paying off the VA loan in full. A one-time restoration option is also available for veterans who meet specific criteria.
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For subsequent use with 0% down, the VA funding fee is 3.30% of the loan amount. It drops to 1.5% if you put 5% down, and 1.25% if you put 10% or more down. Certain veterans (disabled, Purple Heart recipients) may be exempt.
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Yes. Monroe County (Florida Keys) has a 2026 limit of $990,150 — the highest in Florida. Miami-Dade, Broward, and Palm Beach counties are also above the baseline at $873,050. Veterans with partial entitlement benefit from higher limits in these counties.