VA Remaining Entitlement Calculator
Estimate how much of your VA home loan entitlement is still available, your zero-down purchasing power, and an approximate VA funding fee — before you talk to a lender.
Alabama & Georgia · 2026 VA County Loan LimitsYour VA Loan History
This determines whether you have full or partial entitlement, which affects your loan limit and funding fee.
Your Target Purchase
Assumes the purchase price and appraised value are roughly the same.
Leave at $0 to see the true zero-down scenario. If your entitlement requires more than this, we'll use the required amount in the results.
Funding Fee Details
The VA funding fee is a one-time charge that can typically be financed into your loan.
Remaining Entitlement (Guaranty)
$208,187
Full entitlement — VA does not cap your loan amount.
Zero-Down Maximum Loan
No VA-imposed limit
Minimum Down Payment Required
$0
Loan & Funding Fee Breakdown
2026 VA county loan limit (AL & GA)
$832,750
Target purchase price
$400,000
Down payment used in this estimate
$0
Base loan amount
$400,000
Funding fee rate
2.15%
VA funding fee
$8,600
Total loan amount (fee financed)
$408,600
Educational estimate only — not a loan approval or Certificate of Eligibility. Based on current VA funding fee rates (effective April 7, 2023 through November 14, 2031) and 2026 VA county loan limits for Alabama and Georgia, which currently apply uniformly across every county in both states. Actual entitlement, loan limit, and fees are confirmed by your COE and lender.