VA Loan Calculator with County-Specific Limits

Calculate your maximum VA loan amount based on your county's official loan limits, including monthly payments, taxes, and insurance.

1. Select Your State & County

State:

County:

Selected Location: -

Limit Type: -

Your County's VA Loan Limit:

$832,750

Basic Entitlement: $721,000 (zero-down borrowing)
Maximum with Down Payment: Your county limit (shown above)

VA Entitlement & Loan Amount
Entitlement Status
County VA Loan Limit (Auto-filled)
Sales Price (or Appraisal, whichever is less)
Down Payment %
VA Eligibility
VA Loan Usage
Funding Fee Rate
Funding Fee Amount
Used Entitlement (if applicable)
Loan Amount (before funding fee)
Loan Amount + Funding Fee
Interest Rate		%
Loan Term

Monthly Payment
Principal & Interest
Enter Annual Real Estate Taxes
Monthly Real Estate Taxes
Enter Annual Homeowners Insurance
Monthly Homeowners Insurance
TOTAL MONTHLY PAYMENT

Mortgage Amount & VA Guaranty
Base Mortgage
VA Funding Fee
Full Mortgage Amount
Maximum Guaranty
Remaining Entitlement
Zero-Down Ceiling
Required Down Payment
VA Guaranty Amount
VA Guaranty Percentage

How County VA Loan Limits Work

VA loan limits are set at the county level and determine your maximum borrowing power. Your basic entitlement of $721,000 allows zero-down borrowing, but with a down payment, you can borrow up to your county's specific limit.

Finding Your County Limit

Select your state from the dropdown
Select your county from the populated list
Your county's VA loan limit will display automatically
The calculator uses this limit for all entitlement calculations

Understanding Entitlement Levels

Full Entitlement: Allows borrowing up to your county limit with a down payment, or $721,000 with zero down.

Partial Entitlement: Used when you've previously used a VA loan. Your remaining entitlement determines your zero-down borrowing power, and any balance requires a down payment.