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VA Bonus Entitlement Calculator

Figure out remaining entitlement, your max $0 down loan, and the minimum down payment for a target price.

Loan Limit for Area ($)

Texas: $806,500. Look up 2025 county limits (FHFA) Map view

Enter the conforming loan limit for the property’s county. If you have full VA entitlement, county limits don’t cap $0 down—but this tool is for partial-entitlement scenarios.

Entitlement Previously Used ($)

What number goes here?

Enter the entitlement charged on your existing/previous VA loan—usually 25% of that VA loan’s original amount, not the whole loan. Example: prior VA loan $300,000 → entitlement used ≈ $75,000.

Target Purchase Price ($) (optional)

If you enter a price, we’ll calculate the minimum down payment needed to satisfy the 25% guaranty when entitlement is partially used.

How this works

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

Tip: If you have full entitlement (no active VA loans and none defaulted), county limits don’t cap your $0 down amount under current rules. In that case, enter 0 for “Previously Used Entitlement.” Lender overlays and qualification still apply.

This tool is for education only and doesn’t replace VA guidelines or lender underwriting. Always verify numbers with current VA policy.