VA Bonus Entitlement Calculator

VA Bonus Entitlement Calculator

VA Bonus Entitlement Calculator

Full entitlement — no VA loan limit

Remaining bonus entitlement

How second-tier entitlement works

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VA Benefit Tool

Estimate remaining second-tier (bonus) entitlement, your max $0-down VA loan amount, and any down payment needed when entitlement is partially used.

2026 baseline county limit

$832,750

High-cost counties run higher. Enter your county FHFA limit below.

Default is the 2026 conforming limit. Use your county's limit if higher.

Find this on your Certificate of Eligibility under "Entitlement Used."

Your results will show here

Enter your county limit and used entitlement, then hit Calculate.

Status

With full remaining entitlement, VA does not cap your loan amount for guaranty purposes. Lenders still underwrite credit, income, and appraisal.

County limit reference

Estimated down payment

$0

Second-tier results

Formula: (county limit × 25%) − used entitlement = remaining guaranty. Max $0-down loan ≈ remaining guaranty × 4. Estimates only — lenders and VA guidelines control final eligibility.

Ryan and Steve will walk your Certificate of Eligibility and map the exact second-home / second-loan path.

Steve DeLon and Ryan Minick - Branch Managers and Senior Loan Officers at .

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Ryan Minick NMLS# 203249

Steve DeLon NMLS# 202876

NMLS#

1221 Appletree Lane, Kokomo, IN 46902

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