VA Bonus Entitlement Calculator (Updated For 2026)
Use the calculator below to determine if a down payment is needed for your VA home loan if you will have multiple VA loans after closing.
Note: If you are only going to have one VA home loan at the time of closing, then you have unlimited entitlement and the calculation is not needed. You can buy as much as you want for no money down, as long as you meet lender requirements.
VA Bonus Entitlement Calculator
Calculate your VA bonus entitlement and down payment requirements when holding multiple VA loans simultaneously.
Property Location
Select the state and county of the property you are purchasing.
Entitlement Charged
How much entitlement is currently charged? Check your Certificate of Eligibility (COE).
Purchase Price
Enter the total purchase price of the home.
Entitlement Required
—
25% of purchase price.
Bonus Entitlement Available
—
Remaining entitlement after existing VA loan(s).
Max Loan Without Down Payment
—
Maximum loan amount with $0 down.
Down Payment Needed
—
25% of the amount above the max no-down-payment loan.
Take the 30 second mortgage quiz to see if you qualify
