VA Max Loan & Cash‑to‑Close Worksheet

For veterans with full entitlement, there is no maximum VA loan amount. You can purchase a home at any price with $0 down. For partial entitlement borrowers, the county conforming limit ($832,750 in most Texas counties for 2026) determines how much entitlement is available.

No — the VA Funding Fee is financed (rolled into your total loan amount). It does not come out of your pocket at the closing table. This means your cash-to-close only includes your down payment (if any) and estimated closing costs.

You can have more than one VA loan at a time, but your entitlement will be split. The entitlement tied to your existing loan reduces what's available for the new loan. If the remaining entitlement doesn't cover 25% of the new purchase price, you'll need a down payment for the difference.

Full entitlement is automatically restored when you sell the home tied to your VA loan and pay off the mortgage in full. You can also apply for a one-time restoration if you've paid off the VA loan but kept the property.

Yes. Putting down 5% or more reduces the fee from 2.15% to 1.50%. Putting down 10% or more reduces it further to 1.25%. Veterans with a service-connected disability are fully exempt.