VA Bonus Entitlement Calculator
See how much VA entitlement you have left for a second VA loan — and what that means for your down payment.
Do you have full remaining entitlement?
Find this on your Certificate of Eligibility.
Your Results
Your results will show here.
Remaining Entitlement
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How second-tier entitlement works
1
Full entitlement: No county loan limit applies. VA guarantees 25% of the loan amount. Partial entitlement: The county loan limit applies to calculate remaining entitlement.
2
If you’ve used some entitlement, what’s left is your remaining second-tier entitlement.
3
Multiply remaining entitlement by 4 for your max $0-down loan amount.
4
Buying above that max? Put 25% down on the difference.
Note: VA entitlement determines the guaranty amount, not loan approval. Lender credit qualification, income verification, and property appraisal/valuation requirements still apply. See VA loan limits for current county limits.
Second-tier results
Remaining = (25% × County Limit) − Used
Max $0-down loan = Remaining × 4
Down payment = 25% × (Price − Max $0-down)
Want a COE review?
We’ll pull your Certificate of Eligibility and map out exactly what your VA benefit covers.