The VA home loan benefit, from service record to front door
The entitlement explainer
Bottom line
Tell the explainer whether you have used a VA loan and what happened to it. It explains whether you likely have full or remaining entitlement and what to request from VA. If a loan is still open, add your county's conforming loan limit and the entitlement charged to see the guarantee VA may still offer. Every field starts empty.
Last reviewed against the primary sources listed below.
Service to Keys · https://vahomeloan.loan/entitlement-explainer.html · General education only; nothing you entered was stored.
How to read your result
The result explains whether you likely have full or remaining entitlement and what that means.
- Full: no county-limit math.
- Remaining: limit-based math.
- Next: confirm on your COE.
What to do next
Request your Certificate of Eligibility to confirm entitlement.
How the optional math works
VA's guarantee for buyers with remaining entitlement is generally based on 25 percent of the county conforming loan limit, minus entitlement already charged. The result is an estimate; your Certificate of Eligibility and lender have the final figure.
What veterans and families ask
How do I know if I have full entitlement?
Generally, if you have never used the benefit, or you repaid a VA loan and sold the home, or had entitlement restored. Your Certificate of Eligibility confirms it.
How is remaining entitlement calculated?
Generally 25 percent of the county conforming loan limit, minus the entitlement already charged. Confirm with your Certificate of Eligibility and lender.