Full Entitlement
If you have never used your VA benefit — or have fully restored it — no VA loan limit applies. You can borrow what you qualify for, subject to underwriting.
VA Loan Limits & Entitlement
Know Your Entitlement.Know Your Power.
Entitlement is the amount the VA guarantees on your loan — and it decides whether county loan limits apply to you at all. With full entitlement, there is no VA loan limit. With partial entitlement, the math changes, and so does your strategy.
Every loan officer on our team is a Veteran or a military spouse. Call (678) 488-0608.
Entitlement Review
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2026 Loan Limit Tool
Look Up Your County2026 Loan Limit.
Enter a ZIP code to see the 2026 conforming loan limits for that county — one, two, three, and four units. If you have full entitlement, this number is not a cap on your VA loan — it only shapes the math when your entitlement is partially used.
Limits shown are the 2026 one- through four-unit conforming loan limit values published by the Federal Housing Finance Agency, matched to counties using public Census ZIP-code-to-county data. ZIP codes can span more than one county, so confirm the county for the specific property address. This tool is educational and is not a loan approval, pre-qualification, commitment to lend, or rate quote. Loan amounts remain subject to credit qualification, VA residual income requirements, appraisal, and program guidelines. Military Mortgage LLC is a mortgage broker and is not affiliated with the VA or any government agency. NMLS #Coming Soon — licensing in progress. Equal Housing Opportunity.
The Concepts
Four Things Worth Understanding.
Remaining Entitlement
If entitlement is still tied up in an active VA loan or a prior loss, county loan limits come back into the calculation and a down payment may be required.
Second-Tier Entitlement
In some cases you can use your remaining entitlement on a new VA loan while keeping an existing VA-financed home — often after a PCS move. The math has to work.
Entitlement Restoration
Sell the home and pay off the VA loan, and your entitlement can generally be restored. A prior loss to the VA can reduce what is available.
One-Time Restoration
If you have paid off a VA loan but kept the home, the VA allows a one-time restoration of entitlement without selling the property.
County Loan Limits
These are the conforming loan limits set annually. They only matter to your VA loan when your entitlement is partially used — they do not cap full-entitlement borrowers.
Before You Shop
How to Find Out Where You Stand.
- Request your Certificate of Eligibility — it shows your available entitlement
- Check whether an existing VA loan is still tying entitlement to a property
- If you had a prior VA foreclosure or short sale, confirm whether a loss was charged
- Ask whether the current home can be sold, paid off, or kept under second-tier rules
- Review the current year's county conforming limit if entitlement is partial
- Have a loan officer run the remaining-entitlement math before you assume a down payment
Common Questions
Straight Answers.No Runaround.
This page is educational and is not a loan approval, a pre-qualification, a commitment to lend, or a rate quote. Entitlement amounts, county loan limits, and funding fees are set by the U.S. Department of Veterans Affairs and other agencies and can change. Military Mortgage LLC is a mortgage broker and is not affiliated with the VA or any government agency. NMLS #Coming Soon — licensing in progress. Equal Housing Opportunity.
Keep Reading
Related Pages
Check Your COE
Let's Read YourEntitlement Together.
Your Certificate of Eligibility tells the whole story. We will pull it, read it, and walk you through exactly what it means.