Estimate remaining VA bonus entitlement after using a VA loan. Calculator from The 2 Mortgage Guys at Luminate Bank in Kokomo, lending nationwide.
VA Benefit Tool
Estimate remaining second-tier (bonus) entitlement, your max $0-down VA loan amount, and any down payment needed when entitlement is partially used.
2026 baseline county limit
$832,750
High-cost counties run higher. Enter your county FHFA limit below.
Default is the 2026 conforming limit. Use your county's limit if higher.
Find this on your Certificate of Eligibility under "Entitlement Used."
Your results will show here
Enter your county limit and used entitlement, then hit Calculate.
Status
With full remaining entitlement, VA does not cap your loan amount for guaranty purposes. Lenders still underwrite credit, income, and appraisal.
County limit reference
Estimated down payment
$0
Second-tier results
Formula: (county limit × 25%) − used entitlement = remaining guaranty. Max $0-down loan ≈ remaining guaranty × 4. Estimates only — lenders and VA guidelines control final eligibility.
Multiply your county FHFA loan limit by 25% to get the max VA guaranty for that area.
Subtract entitlement already charged on your COE.
Multiply remaining guaranty by 4 for an estimated max loan with no down payment.
If the home costs more, the gap is typically your required down payment.
Ryan and Steve will walk your Certificate of Eligibility and map the exact second-home / second-loan path.
Steve DeLon and Ryan Minick - Branch Managers and Senior Loan Officers at .
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Contact
Ryan Minick NMLS# 203249
Steve DeLon NMLS# 202876
NMLS#
Kokomo's Mortgage Team. Lending Nationwide.
1221 Appletree Lane, Kokomo, IN 46902
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