Build your entitlement picture.
Answer a few questions. If you have full entitlement, county limits generally don't apply to the VA guaranty. If you have partial entitlement, we'll calculate the county-based estimate.
Get your Certificate of Eligibility first. The official VA COE is the source of truth for entitlement already used and restoration status.
Veterans with full entitlement generally don't have a VA county loan limit. Your actual maximum loan is determined by lender qualification and the property's appraised value/purchase price.
Why county limits matter
They matter only when you don't have full entitlement. VA instructs lenders to use the FHFA one-unit county limit, even if the property has more than one unit.
Read the VA entitlement guidance →2026 county-limit source
This calculator is versioned to the 2026 FHFA conforming loan limits. Limits are updated annually, so the data should be refreshed when FHFA publishes a new calendar year.
View FHFA's official limits →Important: This tool is for educational planning only and is not a loan approval, commitment to lend, or determination of VA eligibility. It estimates remaining entitlement using published VA methodology and 2026 FHFA one-unit limits. Your current Certificate of Eligibility, VA rules, lender underwriting, income, credit, debts, assets, occupancy, property eligibility, appraisal, purchase price, and lender requirements determine the final loan structure. Estimated down payment does not include closing costs, prepaid items, funding fee, or cash needed for an appraisal gap.