VA Bonus Entitlement Calculator

Figure out remaining entitlement, max $0‑down loan, and any minimum down payment.

Loan Limit for Area ($) Look up limits: FHFA list · Map view Entitlement Previously Used ($)

What number goes here?

Use the entitlement charged on your prior VA loan — usually 25% of the original VA loan amount. Example: $300,000 prior VA loan → ~$75,000 entitlement used.

Target Purchase Price ($) (optional) If you enter a price, we’ll show the minimum down payment required to satisfy the 25% guaranty.

How this works

Base Entitlement = Area Loan Limit × 25%.
Remaining Entitlement = Base − Previously Used (not below $0).
Max $0‑Down Loan = Remaining × 4.
Minimum Down Payment (if price entered) = (Price × 25%) − Remaining (not below $0).

For education only. Always verify with current VA policy and lender underwriting.

Comp Split Calculator

Normal total comp assumed 2.75%. Corporate (Mpire) fixed at 0.35%. LO & Sales Manager scale by the reduction ratio.

Loan Amount ($)

Tip: commas are okay (e.g., 300,000).

LO Normal Comp

200 bps = 2.00%

New Locked Total Comp

Example: 225 bps = 2.25% total at lock.

Auto-calculates as you type.

Baseline (Normal)

Total (Normal)

2.75% (275.00 bps)

Corporate (Fixed)

0.35% (35.00 bps)

LO (Normal)

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Sales Manager (Normal)

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Reduction Ratio (Adjustable Pool)

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Ratio = (Locked Total − 0.35%) ÷ 2.40%

New Comp & Commissions (at Lock)

LO

—

—

—

Sales Manager

—

—

—

Corporate (Mpire)

0.35% (35.00 bps)

—

Fixed

Totals

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—

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Refinance Breakeven Calculator

Refinance Breakeven Calculator

Current Loan Balance: Current Interest Rate (%): Proposed Interest Rate (%): Remaining Term (years): Closing Costs:

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