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.
🎖️ For Veterans & Active Duty📄 Requires Certificate of Eligibility
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🎖️ 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 4× your available entitlement with no down payment required.
🎖️ Entitlement Analysis
Entitlement Required
—
25% of county loan limit
Bonus Entitlement Available
—
After charged entitlement
Max Loan — No Down Pmt
—
4× available entitlement
Down Payment Required
—
For desired loan amount
✓No down payment required at this loan amount.
📖 How this is calculated
1
Entitlement Required = County Loan Limit ÷ 4. This is the base guarantee VA provides to the lender.
2
Bonus Entitlement = Entitlement Required − Amount Currently Charged on COE.
3
Max Loan (No Down) = Bonus Entitlement × 4. You can borrow up to this amount with $0 down.
4
Down Payment = (Desired Loan − Max Loan) ÷ 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 · NMLS #2133626 · Licensed in UT, ID, FL & CO · Privacy Policy
Quazel Mortgage · NMLS #2133626 · Licensed in UT, ID, FL & CO · Privacy Policy