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VA Entitlement

Updated: Feb 7, 2023


VA Entitlement is the amount of money that the Department of Veterans Affairs (VA) will guarantee on a VA loan. This entitlement is a financial guarantee from the VA to the lender, which allows veterans to purchase a home with no down payment and at a more favorable interest rate.




The VA entitlement is calculated based on the county in which the property is located, and ranges from $36,000 to $510,400. The amount of entitlement depends on the county where the property is located and the type of property you are buying.


“It's important to note that veterans can use their VA entitlement multiple times.”

When a veteran uses their VA entitlement, the VA guarantees a portion of the loan, typically up to 25% of the loan amount. This means that if the veteran defaults on the loan, the VA will pay the lender a portion of the loss.

It's important to note that veterans can use their VA entitlement multiple times, as long as they pay off the previous loan and meet certain requirements. However, each time they use the entitlement they must pay a funding fee, which is a percentage of the loan amount that goes towards the VA's loan program cost.

Overall, VA entitlement is an important aspect of the VA loan program that allows veterans to purchase a home with no down payment and at a more favorable interest rate. Understanding how entitlement works and how it affects your loan can help you make an informed decision when applying for a VA loan.


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