VA Entitlement Calculator
If you already have a VA loan and want to buy again without selling, your remaining entitlement sets your zero-down ceiling. Enter your existing loan amount and where you’re buying to see what’s left.
Full entitlement means no limit
Since January 2020, a borrower with full entitlement has no VA loan limit. County limits only apply when part of your entitlement is committed to an existing VA loan. This calculator is for that second case.
Renting it out doesn’t free up entitlement
Entitlement is tied to the loan, not to how the property is used. As long as the VA loan is outstanding, the guaranty stays committed whether the house is your residence, a rental, or vacant.
The county that matters is where you’re buying
A common misunderstanding is that the loan limit for the county your current home sits in affects your remaining entitlement. It doesn’t. What’s charged is 25% of that loan’s original amount. The county limit that applies is the one for the property you’re purchasing now. For a fuller walkthrough of how entitlement math works, read the guide.
Buying at your next duty station?
We can connect you with an agent who works with military buyers in that market. No obligation.
This is a planning estimate, not a preapproval or a commitment to lend. PCSNumbers is operated by a licensed real estate agent, not a mortgage lender, loan originator, or financial advisor, and nothing here is an offer of credit or a solicitation to lend. Your actual entitlement depends on your Certificate of Eligibility, and what you can borrow depends on lender qualification including income, debts, credit, and the appraisal. Entitlement restoration after a sale or payoff is subject to VA's rules and is generally not automatic. Confirm your figures with a VA-experienced lender. Loan limits are 2026 figures published by FHFA and change annually.