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VA bonus entitlement

Can you buy again with your VA loan?

Keeping a home with a VA loan on it doesn't always mean giving up your benefit. Run the second-tier entitlement math and see whether the next purchase is $0 down, needs a down payment, or needs a restoration first.

Your VA benefit today

Answer "No" if you have never used a VA loan, or if you sold the home (or refinanced it out of the VA program) and restored your entitlement.

$

From your closing paperwork, not today's balance. Entitlement in use is about 25% of this number; your COE shows the exact figure.

The next purchase

$
$

Most counties use the $832,750 2026 baseline; high-cost counties go up to $1,249,125. Only matters when you are keeping another VA loan.

Minimum VA down payment
$0

Your remaining entitlement of $133,188 covers the full 25% guaranty on a $450,000 purchase, with your current VA loan still in place.

Keep your home, buy the next one with $0 down
Your remaining (bonus) entitlement covers the full 25% guaranty at this price. You can keep your current home and its VA loan and still buy the new one with nothing down, subject to lender qualification on both payments.

The entitlement math

Entitlement in use
$75,000
≈ 25% of the kept loan's original amount
Remaining (bonus) entitlement
$133,188
Of $208,188 total at this county limit
Max $0-down price
$532,750
Remaining entitlement × 4
Est. funding fee
$14,850
3.30% subsequent use, usually financed

The funding fee is waived entirely with a service-connected disability rating of 10% or more, for active-duty Purple Heart recipients, and for eligible surviving spouses. Fee table as of 2026.

Free, no SSN

Your COE has the exact numbers.

This is the estimate; your Certificate of Eligibility is the authority. We pull it for you in minutes and price the whole scenario against live wholesale VA rates. No SSN, no hard credit pull to start.

Check my real entitlement(800) 835-4177

What this estimate assumes

  • · Entitlement in use is approximated as 25% of the kept loan's original amount. Your COE may show a different charged figure (partial restorations, older loans, and assumptions all move it).
  • · The county limit only matters with partial entitlement. Purchases above $144,000 are assumed, which covers nearly every current market.
  • · Carrying two mortgages means qualifying with both payments in your debt-to-income ratio. That, not entitlement, is the usual constraint, and it is exactly what we check on a quote.
  • · Estimates only, not a loan offer or a commitment to lend.

Next step

See today's VA rates where we lend

Arizona VA ratesCalifornia VA ratesColorado VA ratesFlorida VA ratesTexas VA rates

HomePilot Mortgage · NMLS #2752340 · Licensed in Arizona, California, Colorado, Florida, and Texas · Equal Housing Opportunity. HomePilot Mortgage is a private company, not affiliated with or endorsed by the Department of Veterans Affairs or any government agency. Estimates only, not an offer of credit or a commitment to lend.