VA loans from The 2 Mortgage Guys at Luminate Bank. Zero-down veteran financing, no monthly PMI, and guidance from Ryan Minick and Steve DeLon.
Estimate the VA guaranty you may still have available when another VA loan is using part of your entitlement.
The 2026 baseline is $832,750. High-cost counties may have a higher limit.
Use the entitlement charged to existing VA loans shown on your Certificate of Eligibility.
Your estimate
Remaining entitlement
Approx. max with $0 down
This calculator is for informational purposes only. Results are estimates and are not exact — they do not include all closing costs, prepaid interest, or escrow deposits. VA does not cap the loan amount for borrowers with full entitlement; county limits matter when entitlement is not fully restored. Your lender must verify your COE, eligibility, appraisal, income, and credit.
Zero down payment, no mortgage insurance, and competitive rates for those who have served our country.
VA loans are one of the most powerful mortgage benefits available, offering significant savings and flexibility for eligible service members and veterans.
See what your monthly payment could look like with a VA loan. No mortgage insurance, $0 down payment, just the VA funding fee.
Common VA Funding Fee Exemptions
Service-connected disability (compensable)
Surviving spouse of a veteran who died in service or from service-connected disability
Purple Heart recipient
Active duty with proposed/compensable disability rating before loan closing
Exemption status is confirmed on your Certificate of Eligibility (COE). This tool is for estimation only; always verify your status with the VA.
Veterans with a service-connected disability rating may be exempt from the funding fee. Click EXEMPT if this applies to you.
$ down
Estimated Monthly Payment
This calculator is for informational purposes only. Results are estimates and are not exact — they do not include all closing costs, prepaid interest, or escrow deposits. Contact us for a personalized quote.
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Mortgage Knowledge Center
Straight answers to the questions veterans ask us most — from zero-down eligibility and credit to income, documents, refinancing, and how VA compares to conventional.
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