Second-tier VA entitlement
VA Bonus Entitlement Calculator
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
$158,188
Approx. max with $0 down
$632,750
25% guaranty needed$175,000
Estimated down payment$16,813
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.