VA Loan Specialist · CCM
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.
Loan details
2026 county loan limit (1-unit): —
Enter the original loan amount on your existing VA loan — this is typically on your closing disclosure or mortgage statement. Your entitlement used will be calculated automatically.
Entitlement used (25% of original loan)
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VA loan summary
Purchase price
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Down payment
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VA loan amount
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Entitlement details
| Original VA loan balance | — |
| Entitlement used (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.
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.