VA Bonus Entitlement Calculator

This calculator is built for two specific situations where a Veteran’s VA entitlement isn’t fully available:

1. You still have a VA loan in place. Maybe you bought a home with a VA loan, kept it as a rental when you PCS’d or relocated, and now you want to buy another primary residence. The entitlement tied to that first loan stays committed until the loan is paid off or restored, so your next purchase has to be made using whatever entitlement is left over — your bonus entitlement (sometimes called second-tier entitlement).

2. You had a prior short sale or foreclosure on a VA loan. If a previous VA loan ended in a short sale or foreclosure and the VA paid out a claim, that portion of your entitlement was charged and typically isn’t restored. You can often still qualify for a new VA loan using the bonus entitlement that remains.

The calculator below estimates your maximum zero-down purchase price and any down payment required, based on your county loan limit and the amount of entitlement already charged. Edit the green fields to see estimates update instantly.