Use the calculator below to determine if a down payment is needed for your VA home loan if you will have multiple VA loans after closing.

Note: If you are only going to have one VA home loan at the time of closing, then you have unlimited entitlement and the calculation is not needed. You can buy as much as you want for no money down, as long as you meet lender requirements.

Before continuing with this calculator, you will need to know the Fannie Mae loan limit for your area for the property type you are purchasing.

Note, the Fannie Mae limit listed below is for a single family property. 

If you are in a high limit, area, you can use the following calculator to find the limit for your area. Click here for that calculator (opens in a new window).

Limits are higher if you are buying a multi unit property.

If you are buying a single family home and are not in a high cost area, the limit for 2025 is $832,750.