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.

Before continuing with this calculator, you will need to know the Fannie Mae loan limit for your area for the property type you are purchasing.

Click here to look up the Fannie Mae limit

If you are buying a single family home and are not in a high cost area, the limit for 2025 is $806,500.