With remaining entitlement, your VA home loan limit is based on the county loan limit where you live. This means that if you default on your loan, we’ll pay your lender up to 25% of the county loan limit minus the amount of your entitlement you’ve already used.
Check your county loan limit
You can use your remaining entitlement—either on its own or together with a down payment—to take out another VA home loan.
You may have remaining entitlement if any of these are true:You may have remaining entitlement if any of these are true:
You have an active VA loan you’re still paying back, or
You paid a previous VA loan in full and still own the home, or
You refinanced your VA loan into a non-VA loan and still own the home, or
You had a compromise claim (or short sale) on a previous VA loan and didn’t repay us in full, or
You had a deed in lieu of foreclosure on a previous VA loan (this means you transferred your home’s title to the bank that holds your mortgage to avoid foreclosure), or
You had a foreclosure on a previous VA loan and didn’t repay us in full