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VA Entitlement

VA entitlement is the dollar amount VA will guarantee to every eligible veteran to buy or build a home.



Your basic entitlement is $36,000.

This basically is the amount VA guarantees to any lender that in the event the veteran defaults in his/her mortgage loans payments VA will pay the lender up to that much.

The entitlement (which is the portion that VA guarantees)  

will determine the  maximum loan amount each qualified veteran with full entitlement may be able to borrow without been required to make a down payment. 

By and large what lenders will do is multiply the veteran’s loan guarantee by four: 4 x $36,000 = $144,000 - which will allow you to purchase or build a home up to the amount with zero down payment!

That is sweet! Really sweet!

Please click here to visit my “VA Mortgage Loans” page

By and large what lenders will do is multiply the veteran’s loan guarantee by four: 4 x $36,000 = $144,000 - which will allow you to purchase or build a home up to the amount with zero down payment!

That is sweet! Really sweet!

Please click here to visit my “VA mortgage Eligibility” page


There Are Higher Amounts Still

I live in the great state of Georgia where that $144,000 buy you a very nice home: I am proud to tell you that not long ago I was the chosen to represent a veteran in purchasing his first home – and he had the exact amount to work with.

Having knowledge of his finances I advised him the same things I have written in many of the pages in this site:

  • “Do not over stretch your finances;"
  • “Do not be house rich and cash poor;”
  • “Just because your car can go to 200 miles per hours you will do it” (Reportedly the crash that killed Princess Di was traveling at almost that speed - sadly) - translation: do not push your finances too far that you can end up "FUBAR." (Pun intended)

So this vet and I established early on that we were to be looking for a home below $130K.

We found a great home in a cul-de-sac with 2cars garage, formal dining room, formal living room, family room w/ fire place 4 bedrooms, master BR w/

tray-ceiling, his/her closets, sitting area, master bath separate shower and huge tub - all for $119,900

(If you live in another part of the country where this make you think that you are just dreaming – do come to Atlanta that I will show you around :-))

Due to “multiple offers” price war – ended up costing him another $10 grand.

However we were able to negotiate and we got 3% concession in closing costs ;-)


In any case VA entitlement that in many areas of the nation that amount that will allow a veteran purchase a great home in Atlanta, GA will not go far enough.

Additional entitlement up to an amount equal to 25 percent of the loan value for a single family home may be available.

VA takes in consideration the home values of the county where the veteran is planning hi/her home buying.


Certificate Of Eligibility (COE)

All veterans looking to apply for VA loans eligibility must first to have a Certificate of Eligibility (COE) from the Veterans Administration.

The COE will prove eligibility as well as it will include the maximum of guarantee given under to your VA entitlement.

With that COE in hand it is easier for lenders to determine your buying power

To request your Certificate of Eligibility (COE) online, please click here

Please also check these additional pages with further information on how to secure your VA mortgage loan:

VA Mortgage Loans
VA Loans Eligibility

VA Regional Loan Centers
VA Maximum Loan Amount
VA Maximum Loan List




JC Fagundes, RE Agent |SERVICE. EXPERIENCE. EXCELLENCE.


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