VA Loan Payment Calculator with County-Specific Limits

Use this free VA loan payment calculator to determine your maximum VA loan amount based on your county's official loan limits, including monthly principal, interest, taxes, and insurance. Simply select your state and county to get started.

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. This VA loan payment calculator automatically applies the correct limit for your selected county, so you get accurate results whether you're in a standard or high-cost area.

Finding Your County VA Loan Limit

Select your state from the dropdown above.
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.

If your county is not listed, it falls under the standard limit of $832,750. High-cost counties have higher limits, up to the ceiling of $1,249,125.

Understanding VA Entitlement Levels

Full Entitlement: Allows borrowing up to your county limit with a down payment, or $721,000 with zero down. Most first-time VA users have full entitlement.

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. This calculator handles both scenarios automatically.

VA Funding Fee Explained

The VA funding fee is a one-time fee that varies based on your down payment and whether it's your first or subsequent VA loan use. For a zero-down first-time use, the fee is typically 2.15% of the loan amount. Veterans with a service-connected disability rating of 10% or more are exempt from the funding fee. This calculator includes the funding fee in your total mortgage amount and monthly payment.

Related VA Loan Calculators

Explore our other free tools to plan your home purchase:

VA Loan Calculator – A simplified version for quick estimates.
Mortgage Payment Calculator – Compare monthly payments across loan types.
Amortization Calculator – See how your loan pays down over time.
Closing Cost Calculator – Estimate your out-of-pocket expenses.
Debt-to-Income Calculator – Check if you qualify for a VA loan.

Frequently Asked Questions About VA Loans

What is the current VA loan limit for 2025?

For 2025, the standard VA loan limit is $832,750 for most counties. High-cost counties have limits up to $1,249,125. However, if you have full entitlement, there's no limit on how much you can borrow with a down payment - the limit only applies to zero-down financing.

Can I use a VA loan with zero down?

Yes. If you have full entitlement and purchase a home at or below your county's loan limit, you can finance 100% of the purchase price with no down payment. If the home price exceeds the limit, you may need a down payment to cover the difference.

How is the VA funding fee calculated?

The funding fee is a percentage of your loan amount. For first-time use with zero down, it's 2.15%. With a 5% down payment, it drops to 1.50%, and with 10% down, it's 1.25%. Subsequent use has higher rates. Veterans with a 10%+ disability rating are exempt.

What is VA entitlement and how does it affect my loan?

VA entitlement is the amount the VA guarantees to your lender, which allows you to get a loan with no down payment. The basic entitlement is $721,000, but it can be higher in high-cost counties. If you've used a VA loan before, your remaining entitlement may be lower, requiring a down payment.

Do I need to pay private mortgage insurance (PMI) with a VA loan?

No. VA loans do not require private mortgage insurance, unlike conventional loans with less than 20% down. This can save you hundreds of dollars per month compared to other low-down-payment options.