The VA Loan Limit/Entitlement/Guaranty Calculator is for loan amounts greater than $144,000.
County Limit and Entitlement
2025 County Limit
$765,600
Maximum Potential Entitlement
No Limit
Maximum Potential Entitlement
$
Veteran's previously used entitlement
(that has not been restored) $
(that has not been restored) $
Remaining Available Entitlement
No Limit
Remaining Available Entitlement
$
Note
The Blue Water Navy Vietnam Veterans Act of 2019 changed the way the VA guaranty is calculated for loans closed on or after January 1, 2020 for purchase, refinance (other than IRRRLs), and construction loans above $144,000. Specifically, for Veterans with full entitlement, the maximum guaranty amount is 25 percent of ANY loan amount above $144,000, regardless of the county loan limit. However, for Veterans with partial entitlement, the maximum amount of guaranty for a loan above $144,000 may not exceed the lesser of 25 percent of the loan amount or 25 percent of the county loan limit minus the amount of entitlement previously used and not restored.
Closing Costs
Loan Type
Down Payment Percentage
%
Funding Fee Percentage
%
Funding Fee Amount
$
The funding fee amount has been added to the loan amount and thus not included in closing costs.
Loan Summary
Sales Price
$
Appraised Value
$
Additional Down Payment
Applies if Appraised Value lower than Sales Price $
Applies if Appraised Value lower than Sales Price $
Veteran Requested Down Payment
$
Total Down Payment
$
Base Loan Amount
$
+ Funding Fee Amount
$
Total Loan Amount
$
Required Guaranty Amount
to meet 25% requirement $
to meet 25% requirement $
Available Guaranty Amount
$
VA Required Down Payment
due to guaranty shortfall $
due to guaranty shortfall $
Combined Total Down Payment
Total Down Payment + VA Required Down Payment + Funding Fee $ $ $
Total Down Payment + VA Required Down Payment + Funding Fee $ $ $
New Total Loan Amount
Total Loan Amount - VA Required Down Payment $
Total Loan Amount - VA Required Down Payment $
New Total Loan Amount
Base Loan Amount - VA Required Down Payment $
Base Loan Amount - VA Required Down Payment $
