VA Bonus Entitlement Calculator & Loan Eligibility Guide
Not sure how much VA entitlement you have left or what down payment you’ll need? Use our VA Bonus Entitlement Calculator to determine your required down payment and understand how your remaining entitlement impacts your next VA home loan — even if you’ve used it before. Whether you’re buying again or holding onto another VA-financed property, we make it easy.
VA Bonus Entitlement Calculator
📘 Content: What is VA Entitlement?
VA entitlement is the dollar amount the VA guarantees on your home loan. Most eligible veterans have $36,000 in basic entitlement and up to $161,800 in total entitlement, including bonus entitlement for higher-priced homes.
📘 What is Bonus Entitlement?
If you’ve used a VA loan before or your purchase price exceeds $144,000, the VA gives you additional (bonus) entitlement to help you buy again. Even if your full entitlement is tied up, you may still qualify for another VA loan by putting down 25% of the difference between the purchase price and your remaining VA guarantee.
🔹 Example Breakdown
| Item | Amount |
|---|---|
| Purchase Price | $600,000 |
| County Loan Limit | $766,550 |
| Required VA Guaranty (25%) | $150,000 |
| Remaining Entitlement | $81,250 |
| Difference | $68,750 |
| Down Payment Needed | $68,750 |
📘 How to Calculate Your VA Down Payment with Partial Entitlement
Multiply the home price × 25% to get required VA guaranty
Subtract your remaining entitlement
Put 25% of the shortfall down (the calculator above does this for you)
🟦 Want the Full VA Entitlement Restored?
You must sell or refinance the existing VA-financed home and apply for entitlement restoration. We can help walk you through that.