VA Entitlement Calculator
Find out how much VA entitlement is tied up in your current loan — and the highest price your remaining entitlement supports at $0 down in your new county.
Have Douglas Review My NumbersCall (904) 517-4049Your remaining entitlement, in plain numbers — no approval, no pressure.
Built on the 2026 FHFA county limits for Florida.
Enter the price, down payment, and loan details of the home tied to your VA loan now.
Pick the county where you want to buy next, and the 2026 limit is applied automatically.
See your remaining entitlement, your $0-down purchasing power, and what a target price would need.
Why this calculator exists
When you use a VA loan, the VA charges part of your entitlement against that loan. The amount shown on your Certificate of Eligibility decides whether a second VA purchase needs a down payment — and how large that down payment must be. Most buyers only discover the number after they have already picked a home.
When to use it
Use this calculator when you are buying again while keeping a VA-financed home, or after selling one, and you want to know — before you make an offer — whether your remaining entitlement still covers the price at $0 down.
How to use it
Start with your current VA loan: its state, county, original purchase price, and original down payment. Tell the calculator whether you know the original loan amount, then choose the state and county of your new home. The 2026 one-unit county limit for the new county is applied automatically, and your remaining entitlement and $0-down purchasing power are calculated from it.
What the results mean — and what to do next
Your remaining entitlement multiplied by four is the highest price you can buy at $0 down. If the home you want costs more, the enhancement below shows the down payment that closes the gap: 25% of the amount over the ceiling. A strong result is not an approval — have Douglas confirm your figures against your actual Certificate of Eligibility before you make an offer.
Source: FHFA 2026 conforming loan limits (one-unit). County limits shown for Florida.
Equal Housing Opportunity. Mortgage services are provided by Douglas Wilkerson, Branch Manager and Mortgage Broker with Edge Home Finance Corporation. Loan programs, rates, eligibility, underwriting guidelines and availability are subject to change. All applications are subject to credit review, verification, property eligibility, applicable underwriting requirements and final approval. This website does not constitute a commitment to lend or a guarantee of financing.
This calculator is educational only and is not an approval or commitment to lend. Confirm your figures with Douglas before making an offer.
Frequently asked questions
What is VA entitlement?
Entitlement is the amount the VA guarantees on your behalf. Basic entitlement is $36,000, and bonus (second-tier) entitlement covers up to 25% of the county loan limit. The amount already charged against a current or prior VA loan reduces what remains for a new purchase.
Does selling my VA-financed home restore my entitlement?
It can, if the loan is paid off and the entitlement is restored through the VA. Until restoration is confirmed, the charged entitlement still counts against a new purchase. Your Certificate of Eligibility shows the official figure.
Can I have two VA loans at once?
Yes, in many cases — that is exactly what bonus entitlement is for. Your remaining entitlement, multiplied by four, is the highest price you can buy at $0 down while keeping the current VA loan.
What if the home I want costs more than my $0-down power?
You can generally buy above your ceiling with a down payment of 25% of the amount over the ceiling. Enter a target price in the enhancement above to see the exact figure for the home you want.
Is my COE figure different from this estimate?
It can be. Your COE controls the official entitlement charged, including funding fees financed into a prior loan and any entitlement restored after a sale. Treat this calculator as an estimate and have Douglas confirm it against your COE.
Is this result an approval?
No. This is an educational estimate. Final approval depends on credit review, verification, property eligibility, and underwriting.
Request my full VA entitlement breakdown
Mortgage Broker / Branch Manager · NMLS #1680719 · Equal Housing Opportunity
(904) 517-4049 · [email protected]
1548 The Greens Way, Suite 4, Jacksonville Beach, FL 32250