If you've used your VA loan benefit before and still have it (or an existing VA loan), you likely still have entitlement left over for a second home. Enter your county's loan limit and how much entitlement you've used to see your remaining entitlement, the max price you can buy with $0 down, and how adding a down payment can lower your VA funding fee.
These are planning estimates, not a Certificate of Eligibility (COE) or a lender's determination — for exact entitlement figures, request your COE at va.gov or ask your loan officer to run it. I'm happy to refer you to one of my preferred VA-savvy lenders any time.
Type a ZIP code to auto-fill the county loan limit below for well-known high-cost markets (Bay Area, LA/Orange/San Diego, NYC metro, Seattle-Tacoma, Denver, DC metro, Hawaii). This covers a curated list, not the full official FHFA county table — everywhere else correctly defaults to the standard baseline. Verify at fhfa.gov/CLL or with your lender if you're unsure.
Defaults to the 2026 standard conforming/VA loan limit ($832,750), which applies to Bexar County and most of the San Antonio area. If the new home is in a different county, or a high-cost county, edit this directly or use the ZIP code lookup above.
Entitlement used is estimated as 25% of this loan amount — the portion VA guaranteed. This is an approximation; your COE has the exact figure.
This is the "Entitlement Charged" figure listed on your Certificate of Eligibility.
Leave this blank to just see your remaining entitlement and max $0-down price. Enter a price to see the required down payment (if any) and your VA funding fee.
Since you've already used VA entitlement before, most buyers select "Subsequent Use" here unless you're exempt from the funding fee due to a service-connected disability rating.
Edit either field — they stay in sync with the target purchase price. Even if your entitlement covers the full price with $0 down, adding a down payment can still lower your VA funding fee — the fee is based on how much you put down, not just your entitlement.
Enter your county loan limit and how much entitlement you've used above to see your remaining entitlement and buying power.
VA will generally guaranty a no-down-payment loan up to 4× your remaining entitlement. Above that price, a down payment covering the gap is required to avoid the lender asking for it directly.
This calculator provides general planning estimates only — it is not your Certificate of Eligibility, a loan quote, or a lender's determination of available entitlement. Actual figures depend on your COE, the specific county loan limit, and your lender's guidelines. Contact Chad for a referral to a VA-experienced loan officer who can confirm your exact numbers.