Calculate your maximum VA loan amount, entitlement usage, required down payment, and the exact cash you need at closing — all in one place. This VA max loan calculator handles full and partial entitlement scenarios using the latest 2026 Texas county loan limits, factors in financed funding fees, and shows seller-credit math. Built for Texas veterans pricing a VA loan purchase or refi.
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VA allows up to 4% of purchase price
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
$2,905
30-yr @ 6.5%
Your total financed amount
$459,675
Only what you bring to the table
How your VA benefit is being used
54%
Max Entitlement
$208,188
Available
$208,188
25% Guarantee
$112,500
Status
Fully Covered
If you have never used your VA benefit, or have fully restored it, you have full entitlement. There is no loan limit — you can purchase at any price with $0 down.
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 — pressure-test the resulting payment in our home affordability calculator.
The VA Funding Fee is rolled into your loan balance — it is not paid out of pocket at closing. This keeps your cash-to-close as low as possible.
Talk to a VA Loan Expert for personalized guidance.
Get a personalized breakdown of your VA entitlement and cash-to-close from a licensed VA Loan Specialist. Subject to credit approval.
For qualifying veterans with full entitlement.
VA loans never require private mortgage insurance.
VA Funding Fee rolls into your loan — not out of pocket.
Full entitlement veterans can buy at any price.