VA Entitlement Calculator

How much entitlement you have left for your next VA home.

Your VA entitlement

Available entitlementState / territoryCounty / equivalent area2026 county one-unit loan limit ($)From FHFA’s 2026 county limits. This is an entitlement calculation reference, not an approval amount.Entitlement used and not restored ($)Use the dollar amount on your Certificate of Eligibility, not your current mortgage balance.

Illustrative COE excerpt · not an official certificate

Basic Entitlement: $36,000Total Entitlement Charged to Previous VA Loans: $100,000

Copy the highlighted number into the box above. No COE handy? A lender can often pull it in minutes, or sign in at VA.gov. Some requests need more documents.

Your lender must verify your Certificate of Eligibility, occupancy and entitlement. Paying down an existing mortgage does not automatically restore entitlement.

Your estimated position

Check a specific price

Next home price ($)

Partial-entitlement math assumes a loan over $144,000 and a 25% combined guaranty / down payment requirement. Full entitlement has no VA county loan cap, but lender approval and appraised value still apply. Closing costs and an appraisal shortfall may require cash.

A few entitlement questions

What is entitlement?

It’s the portion of a VA loan guaranty available to support your loan. I use your Certificate of Eligibility to check what’s available; it isn’t a pile of cash or the amount you can afford.

Does full entitlement have a loan limit?

Since 2020, full entitlement has no VA county loan cap. Income, debts, credit, appraised value and the lender’s approval still matter. Partial entitlement is where this county-based calculation comes in.

Why multiply remaining entitlement by 4?

In this partial-entitlement model, lenders want 25% of the price covered by the VA guaranty, cash, or both. Every $1 of remaining entitlement supports $4 of price. I’d have the lender verify the guaranty for your particular loan, especially at $144,000 or below.

How do I get entitlement back?

Selling the home and paying off its VA loan can allow restoration. A one-time restoration may be available after paying off the loan while keeping the home. Refinancing out of VA can pay off that loan, but restoration still needs VA approval and may use that one-time option; it isn’t automatic.

Ready for real numbers? I’ll pull your COE and run it with you.

Book a Call Call (210) 294-4223

References: VA entitlement and limits · Verify the 2026 county limit with FHFA

Educational estimates only. Not a Loan Estimate, loan offer or approval. All prefilled rates and costs are editable examples. A lender and settlement provider must confirm actual costs and eligibility.