VA Loan Calculator
Entitlement, Funding Fee & Subsequent Use — 2026
Calculate your VA loan payment, remaining entitlement, and exact down payment required for subsequent use. Handles first use, second VA loan, partial entitlement, and VA Jumbo — all in one tool.
VA Loan Payments by Home Price — 2026
First use · $0 down · 6.75% rate · 30-year fixed · 2.15% funding fee rolled in. Tax 1.2%/yr · Insurance 0.35%/yr. No PMI.
| Home Price | Funding Fee (2.15%) | Total Loan | P&I | Tax + Ins | Total PITI |
|---|---|---|---|---|---|
| $300,000 | $6,450 | $306,450 | $1,987/mo | $469/mo | $2,456/mo |
| $400,000 | $8,600 | $408,600 | $2,649/mo | $625/mo | $3,274/mo |
| $500,000 | $10,750 | $510,750 | $3,311/mo | $781/mo | $4,092/mo |
| $600,000 | $12,900 | $612,900 | $3,974/mo | $938/mo | $4,912/mo |
| $700,000 | $15,050 | $715,050 | $4,636/mo | $1,094/mo | $5,730/mo |
| $800,000 | $17,200 | $817,200 | $5,298/mo | $1,250/mo | $6,548/mo |
What this calculator covers
Most VA calculators only handle first use. This one handles both — including the entitlement math that determines whether you need a down payment on your second VA purchase.
First use — $0 down
Full entitlement since Jan 2020 means no county loan limit and no required down payment. See exact payment with 2.15% funding fee rolled into your loan.
Subsequent use entitlement
Enter your prior VA loan balance. See remaining entitlement, max loan at $0 down, and the exact dollar amount of down payment required for any purchase price.
County conforming limits
Adjust the county limit for high-cost areas. Standard counties: $832,750. High-cost CA (e.g. SLO, Santa Barbara, Marin): up to $1,249,125. Determines total entitlement and VA Jumbo status.
Funding fee tiers
Automatically applies the correct 2026 funding fee: 2.15% (first use, <5% down), 3.3% (subsequent, <5%), 1.5% (5%+), 1.25% (10%+), or exempt for disability.
VA Jumbo detection
Flags when your loan exceeds the county limit — and explains how full entitlement still allows $0 down even on VA Jumbo loans under the Blue Water Navy Act.
Ask the AI instead
Type your scenario in plain English — "I have a $400k VA balance and want to buy a $700k home in SLO" — and get a full entitlement breakdown with chips to explore scenarios.
Want a full analysis with scenarios?
The HomeRates.ai chat engine handles VA entitlement, subsequent use, county limits, and VA Jumbo in one conversation.
Calculate my VA entitlement →Free · No login required · Results in seconds
VA Loan & Entitlement FAQ
- How does VA entitlement work for a second VA loan?
- VA entitlement is 25% of the county conforming limit — the amount the VA guarantees on your loan. When you use a VA loan, 25% of that balance is charged against your entitlement. To use VA again with an active first loan: remaining entitlement = total − used. If the new loan exceeds 4× remaining, the shortfall is your down payment (25% of the difference).
- What is the VA funding fee for subsequent use in 2026?
- 3.3% with less than 5% down (vs 2.15% first use). Drops to 1.5% with 5–9.99% down and 1.25% with 10%+. Service-connected disability veterans are fully exempt. Source: VA Circular 26-23-21.
- Can I use a VA loan if I still have an active VA mortgage?
- Yes. Since the Blue Water Navy Act (Jan 2020), there is no VA loan limit for full entitlement. With partial entitlement (active first VA loan), you can still buy — but a down payment may be needed based on remaining entitlement. Entitlement fully restores once the prior loan is paid off.
- What is a VA Jumbo loan?
- Any VA loan where the base loan exceeds the county 2026 conforming limit ($832,750 standard; up to $1,249,125 in high-cost CA counties). With full entitlement, $0 down on VA Jumbo is allowed. With partial entitlement, the down payment is calculated from the entitlement shortfall.
- How is the VA down payment calculated for subsequent use?
- Down payment = max(0, (price × 25%) − remaining entitlement). Example: $700k purchase, standard county. Total entitlement $208,187. Prior $400k VA loan → used $100k → remaining $108,187. Required = $175,000. Down payment = $175,000 − $108,187 = $66,813.
- Does the VA entitlement restore after I sell my first home?
- Yes — once the prior VA loan is paid in full and the property is sold (or in some cases just paid off), you can apply for entitlement restoration at VA.gov. You can also get a one-time restoration to buy a new primary residence even without selling. Veterans may also have two active VA loans simultaneously if both are primary residences and entitlement covers both.