Serving Those Who Served · VA Loan Specialist · CCM

925.575.0637 sean.herrero@ccm.com
2026 Fannie Mae County Loan Limits

VA 2nd Use
Entitlement Calculator

Already have an active VA loan? Calculate your remaining Tier 2 entitlement and whether a down payment is required on your next home purchase.

Sean Herrero

Sean Herrero

VA Loan Specialist · CrossCountry Mortgage

925.575.0637 sean.herrero@ccm.com

Loan details

2026 county loan limit (1-unit): —

Fill in either field — the other calculates automatically using the 25% rule. Entitlement Used is on your VA Certificate of Eligibility; Original Loan Balance is on your closing disclosure.

Sean Herrero

Need help?

Every VA situation is unique. Sean can walk you through your exact entitlement, down payment options, and what to expect at closing — at no cost and no obligation.

925.575.0637

Update your numbers

VA loan summary

Purchase price
—
Down payment
—
VA loan amount
—

Entitlement details

Original VA loan balance—
Entitlement charged (25% of original loan)—
2026 county loan limit (1-unit)—
Max Tier 2 entitlement for county—
Tier 2 entitlement available—
Maximum VA loan (no down payment)—

Calculation steps

Ready to move forward?

Contact Sean to get pre-qualified and explore your VA loan options.

925.575.0637 sean.herrero@ccm.com

Frequently asked questions

Can I have two VA loans at the same time?
Yes. If entitlement is in use on an existing VA loan that won't be restored before closing, you can still use Tier 2 (bonus) entitlement on a new VA loan — provided the new loan is on an owner-occupied primary residence and the loan amount exceeds $144,000.
What if I don't have enough entitlement to avoid a down payment?
A down payment equal to 25% of the difference between the purchase price and your maximum VA loan amount will be required. The VA funding fee may also be higher on second-use loans without a down payment.
How do I restore my VA entitlement?
Entitlement can be restored by paying off and closing your existing VA loan — typically through a sale or refinance into a non-VA loan. In limited circumstances you may request one-time restoration without selling the property.
Why does county matter for second-use VA loans?
For Veterans with full entitlement, the VA imposes no loan limits. When entitlement is in use (Tier 2), the VA uses the Fannie Mae conforming loan limits for your specific county to determine the maximum loan amount without a down payment.
What are the 2026 baseline and ceiling loan limits?
The 2026 baseline conforming loan limit is $832,750 for most counties — a 3.26% increase over 2025. The ceiling for high-cost areas is $1,249,125. Your county's exact limit is pre-loaded from the official 2026 Fannie Mae Loan Limit Look-Up Table.
Sean Herrero
Equal Housing Opportunity
Sean Herrero | NMLS #900669 · CrossCountry Mortgage, LLC | NMLS #3029 · nmlsconsumeraccess.org

CrossCountry Mortgage, LLC is an Equal Housing Opportunity Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act.

This calculator is for educational and informational purposes only. Results are estimates based on information provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer's eligibility for a specific product or service. Loan limits sourced from the 2026 Fannie Mae Loan Limit Look-Up Table. All calculations are estimates and do not constitute a loan offer or commitment. Consult a licensed VA mortgage professional for guidance specific to your situation.

© 2026 CrossCountry Mortgage, LLC. All rights reserved. | 92 Railroad Ave, Danville, CA 94526