VA Benefit Tool
VA Bonus Entitlement
Calculate your remaining VA entitlement, maximum loan without a down payment, and any required down payment for higher-priced homes.
๐๏ธ For Veterans & Active Duty๐ Requires Certificate of Eligibility
โ All Calculators
๐
Book a Free Call โ
๐๏ธ Entitlement Inputs
$
Find your county limit at va.gov. Most counties: $766,550 (2024).
$
Found on your Certificate of Eligibility. $0 if never used or fully restored.
$
Only enter if your target purchase exceeds the county limit. Leave $0 otherwise.
How VA Entitlement Works
VA entitlement = 25% of the county loan limit. Bonus entitlement is what remains after any currently charged amount. A lender can loan up to 4ร your available entitlement with no down payment required.
๐๏ธ Entitlement Analysis
Entitlement Required
โ
25% of county loan limit
Bonus Entitlement Available
โ
After charged entitlement
Max Loan โ No Down Pmt
โ
4ร available entitlement
Down Payment Required
โ
For desired loan amount
โNo down payment required at this loan amount.
๐ How this is calculated
1
Entitlement Required = County Loan Limit รท 4. This is the base guarantee VA provides to the lender.
2
Bonus Entitlement = Entitlement Required โ Amount Currently Charged on COE.
3
Max Loan (No Down) = Bonus Entitlement ร 4. You can borrow up to this amount with $0 down.
4
Down Payment = (Desired Loan โ Max Loan) รท 4. Only applies if your desired amount exceeds the max.
Ready to use your VA benefit?
Our team specializes in VA loans. We'll pull your COE, verify entitlement, and get you a same-day pre-approval.
Estimates only. Entitlement amounts verified by VA at time of loan. Funding fee and other costs not shown. Always verify with a licensed VA lender.
Quazel Mortgage ยท NMLS #2133626 ยท Licensed in UT, ID, FL & CO ยท Privacy Policy
Quazel Mortgage ยท NMLS #2133626 ยท Licensed in UT, ID, FL & CO ยท Privacy Policy