How much can you borrow with your VA entitlement?
With full entitlement, there's no VA loan limit: your income, credit, and the appraisal set your maximum, and $0 down is possible at any price they support, per VA.gov. With partial entitlement, because another VA loan is using part of your benefit, your zero-down maximum is four times your remaining entitlement, which is 25% of your county's conforming limit minus what's already in use.
TL;DR
- Full entitlement: no VA loan limit, $0 down possible, per VA.gov.
- Partial entitlement: zero-down max = 4 x (25% of your county limit minus entitlement in use).
- Buying above the max generally takes 25% of the difference as a down payment.
- Your Certificate of Eligibility holds the exact figures; this tool estimates them.
What does the calculator estimate?
Four numbers, all computed from the official figures: your zero-down maximum, the down payment required for a specific price, the one-time VA funding fee at the rate your down payment tier earns, and the estimated total loan with the fee financed. The funding fee tiers and county-limit figures come from the same sourced data file that powers my VA funding fee guide and entitlement and loan limits guide, so the calculator can never drift from the published charts.
What the estimate can't tell you
Whether a lender approves the loan: that takes underwriting of income, credit, and the property, and your actual entitlement comes from your Certificate of Eligibility, not an estimate. Treat the result as a planning number. When it looks promising, the next step is a COE pull and real numbers, which is exactly what I do.