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Already have a VA loan and want another, maybe keeping the first home as a rental? You can, if you have remaining entitlement. This runs VA's own formula to show the biggest second VA loan you can get with no money down.
The original amount of the VA loan you still have open. Entitlement charged = 25% of it.
National baseline pre-filled. High-cost counties run higher — look yours up from FHFA/VA.
See whether your next home needs a down payment.
Your remaining entitlement supports a second VA loan up to
$556,500
with no down payment. Above that, VA still backs the loan, you just cover 25% of the excess.
When this applies: only if you have a prior VA loan still open (reduced entitlement). If your prior VA loan is paid off and entitlement restored, or you've never used it, you have full entitlement and NO loan limit (since 2020) — this calculator is for the second-loan / two-active-loans case.
The formula is VA's: remaining entitlement = (county One-Unit limit × 25%) − entitlement already used; max no-down loan = remaining × 4. It assumes the standard 25% guaranty was charged on your prior loan. The county One-Unit limit comes from FHFA and is editable above; confirm your exact figure and entitlement used on your Certificate of Eligibility (COE).
Not included: the VA funding fee, closing costs, and lender affordability (income/DTI). This is entitlement, not an approval. See the VA home loan guide + funding fee calculator. Educational estimate, not lending advice.
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Next: estimate your VA funding fee (it differs for a subsequent-use loan), see what your pension is worth, or compare states for your next move.