Already have a VA loan? Find out how much entitlement you have left, the most you can buy with $0 down, and the down payment you'd need above that. It covers every county in the U.S., using FHFA's official 2026 loan limits.
If some of your entitlement is still tied up in an existing VA loan, you can often buy again without selling first. Enter your numbers to see your remaining entitlement, the most you can spend with $0 down, and any down payment you'd need above that.
Entitlement details
Tony is licensed in Minnesota, Wisconsin, and Florida, so he can't originate loans in this state. Moving to one of those three? He'd be glad to help you plan the purchase.
Estimate for educational purposes only. Not a loan approval, commitment to lend, or VA determination of eligibility; your actual entitlement is shown on your Certificate of Eligibility. Remaining entitlement uses FHFA's 2026 one-unit conforming loan limits for every U.S. county. Veterans with full entitlement have no VA loan limit. VA loans require owner occupancy and are subject to credit, income, and appraisal approval. Tony Zerwas, NMLS #2402427, licensed in Minnesota, Wisconsin, and Florida.
| Scenario | County limit | Entitlement used | $0-down max | Result |
|---|---|---|---|---|
| First-time VA buyer, Isanti County, MN | $832,750 | $0 | No VA limit | $0 down at any approved price |
| Keeping a VA rental, buying a $700,000 home in Isanti County, MN | $832,750 | $50,000 | $632,750 | About $16,813 down |
| Keeping a VA rental, buying in Monroe County, FL | $990,150 | $50,000 | $790,150 | $0 down up to $790,150 |
It estimates entitlement and down payment only. It doesn't check your income, credit, or the VA's residual income requirement. It doesn't add the VA funding fee, and it doesn't apply the different guaranty rules for loans of $144,000 or less. Your lender confirms the final numbers against your actual COE.
I built this because I've been in this exact spot: owning a home with a VA loan and wanting to buy the next one without selling. Run it, then send me your COE and I'll confirm your real numbers.
Sources: VA.gov, VA home loan limits; FHFA 2026 conforming loan limits (one-unit). Verified November 13, 2026. Limits are updated each January when FHFA publishes the new year's figures.
Yes, if you have enough remaining entitlement. Your remaining entitlement is 25% of the county loan limit where you're buying, minus the entitlement still charged on your current VA loan. The new home has to be your primary residence.
On your Certificate of Eligibility, in the section listing prior loans charged to entitlement. No COE handy? It's usually about 25% of your existing VA loan's original amount, and I can pull your COE for you.
No. Since January 1, 2020, there are no VA loan limits for borrowers with full entitlement. County limits only matter when part of your entitlement is still in use.
The 2026 baseline is $832,750. High-cost counties go up to $1,249,125, and a few areas (such as two Hawaii counties) are higher. Every Minnesota and Wisconsin county is at $832,750. In Florida, Monroe County is $990,150 and the rest are $832,750.
Income, credit, and VA residual income checks; the funding fee; and the separate guaranty rules for loans of $144,000 or less. It's an estimate. Your lender confirms the final numbers against your COE.