VA Zero-Down Buying Power Calculator
See the highest price you can buy at $0 down once your remaining entitlement and the VA funding fee are counted — before you fall for a payment that assumes full entitlement.
Have Douglas Review My NumbersCall (904) 517-4049Your zero-down ceiling, in plain numbers — no approval, no pressure.
Built on the 2026 FHFA county limits for Florida.
Your monthly gross income, including BAH, and your monthly debt payments.
Full entitlement, or partial — with the entitlement already used and your county.
Your $0-down ceiling, the payment at that ceiling, and the funding-fee cost.
Why this calculator exists
Zero-down has a real ceiling when entitlement is partially used. If a current or prior VA loan still ties up entitlement, the VA only guarantees 25% of the county loan limit minus what is already used — and that remaining entitlement, multiplied by four, is the most you can buy with $0 down. Most buyers discover the ceiling after they have already picked a home.
When to use it
Use it when you are buying again while you still have a VA loan, or after a prior VA loan — and before you make an offer on a home when you know your entitlement is partially used.
How to use it
Enter your income and debts, choose your entitlement status and county, then read your ceiling and the estimated payment at that ceiling, with the funding fee financed into the loan.
What the results mean — and what to do next
Your ceiling is an educational estimate, not an approval. If the home you want costs more than your ceiling, you can generally buy above it with a down payment of 25% of the amount over the ceiling. Have Douglas run the exact numbers for the home you want 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 does “zero-down ceiling” mean?
It is the highest price you can buy with $0 down from your remaining VA entitlement. The VA guarantees 25% of the county loan limit, so your remaining entitlement multiplied by four is the most a lender can finance for you with no down payment.
Why does a second VA loan have a ceiling when my first one did not?
With full entitlement there is no VA ceiling — the guarantee covers the loan. Once entitlement is tied up in a current or prior VA loan, only the remaining entitlement backs a new loan, and that remainder sets the ceiling.
Does the funding fee change my payment?
Yes. When the funding fee is financed, it is added to your loan amount, so your principal-and-interest payment is calculated on the price plus the fee — not on the price alone.
What if the home I want costs more than my ceiling?
You can generally buy above the ceiling with a down payment of 25% of the amount over the ceiling. Have Douglas run the exact numbers for the home you want before you make an offer.
Is the ceiling an approval?
No. This is an educational estimate. Final approval depends on credit review, verification, property eligibility, and underwriting.