Estimate your maximum VA loan amount, entitlement usage, required down payment, and the cash you need at closing in one place. This VA max loan calculator handles full and partial entitlement using the 2026 Texas county loan limits, assumes the funding fee is financed, and shows seller-credit math. Built for Texas veterans pricing a VA loan purchase or refi.
Filled in from your ZIP, or enter it yourself
Entitlement Status
First VA Loan Use?
Funding Fee Exempt?
Veterans receiving VA disability compensation are typically exempt.
VA caps seller concessions (prepaid items, the funding fee, paying off debts) at 4% of the price. Normal closing costs a seller pays do not count toward that cap; this estimate applies 4% to the whole credit to stay conservative.
Example rate. Change it to match your quote; your APR will differ.
Loan Term
CASH
$11,250
Total Loan
$459,675
Incl. financed fee
Down Payment
$0
$0 required
Funding Fee
$9,675
2.15%, financed
Monthly P&I
$3,136
30-yr at 7.25%
Your total financed amount
$459,675
What you bring to the table
You can also pay the funding fee at closing. If you do, add $9,675 to your cash to close.
With full entitlement, the county loan limit does not apply and VA requires no down payment at any price. The county-limit breakdown only matters for partial entitlement; switch to Partial to see it.
Results are estimates for illustration. Prefilled rates are examples based on national averages as of September 28, 2026, not offers. Your rate and APR depend on your credit, loan and property, and come from a Loan Estimate. Get started for a quote.
If you have never used your VA benefit, or have fully restored it, you have full entitlement. VA sets no loan limit, so you can buy at any price with $0 down as long as you qualify for the payment.
If you have entitlement tied to an existing VA loan, the remaining entitlement may not cover 25% of a new purchase. You may need a down payment to cover the shortfall. Check the resulting payment in our home affordability calculator.
You can roll the VA Funding Fee into your loan balance or pay it in cash at closing. This calculator assumes it is financed, which keeps cash to close lower but adds to the loan. To calculate the VA funding fee on its own, use our dedicated tool.
Related tools: the VA affordability calculator, VA residual income requirements, the VA streamline refinance, and VA loan credit score requirements.
Get a personalized breakdown of your VA entitlement and cash to close from a licensed loan officer. Subject to credit approval.
For qualifying veterans with full entitlement.
VA loans do not require private mortgage insurance.
Roll the VA Funding Fee into your loan or pay it at closing.
With full entitlement, VA sets no loan limit; you still need to qualify for the payment.