Wondering how much you can borrow with a VA loan in 2025?
Use this free VA loan limit calculator to estimate your maximum loan amount based on your available entitlement and your county’s current limit.
This tool helps you:
Estimate your remaining VA entitlement.
Understand how much of a home you can buy without a down payment.
See if you’ll need a down payment to go above your county’s limit.
If you have full entitlement and haven’t used your VA loan before, there’s no loan limit—your max loan is based on what the lender approves.
This calculator is especially helpful if you’ve used your benefit before or still have an active VA loan.
(This is the amount you’re aiming to borrow.)
(If you already have an active VA loan or used your benefit before, enter the amount of entitlement already used (usually shown on your Certificate of Eligibility).)
(For most counties in 2025, the limit is $766,550. You can change this if you live in a high-cost area.)
Enter your details to see results.
As of 2020, veterans with full entitlement are no longer limited by VA county loan limits. But if you’re using second-tier entitlement (because of a previous VA loan or default), these limits still apply.
If your loan amount exceeds your available entitlement, you may need to make up the difference with a down payment—typically 25% of the shortfall.
This calculator helps you do that math automatically.
If you’ve never used your VA loan benefit before—or you’ve sold your previous VA-financed home and restored your entitlement—you likely have full entitlement. That means:
No loan limits apply.
You can borrow as much as your lender approves.
You won’t need a down payment (unless your lender requires one).
In that case, you may not need this calculator—but it’s a helpful way to double-check.
If you’re unsure how much of your entitlement is left, request your Certificate of Eligibility (COE) from:
Your VA-approved lender
Your COE will show exactly how much of your benefit has been used—and how much remains. Plug that number into the calculator to get a clear picture of your loan eligibility.
