The Rate Shop · Your VA Buying-Power Estimate
Mike Baker · NMLS 259076 · Kansas & Missouri
913-213-3335 · mike@rateshopkc.com · theinterestrateshop.com
Your benefit. Your next chapter.
VA Bonus Entitlement Calculator
Keep your current home. Explore what comes next. Estimate how much home your remaining VA benefit could support with $0 down in Kansas or Missouri.
Already have a VA loan? You may still be able to buy another home you'll live in. Start here—then let Mike confirm your numbers.
Your next home starts with a clearer picture
What’s possible?Enter your details to see your estimated buying power with $0 down.
Your results will separate the home price your entitlement can support from any estimated down payment.
Turn an estimate into a plan.
Let's review your Certificate of Eligibility, confirm your remaining entitlement, and find out what your numbers could look like.
Confirm My VA Buying Power →Schedule a conversation with Mike Baker. No obligation.Based on your entries—not a preapproval. Mike can confirm your entitlement and what you qualify to borrow. The new home must meet VA occupancy requirements. Closing costs and any funding fee are separate.
More than a one-time benefit
One VA loan doesn't have to be your last.
Keep your options open
Moving without selling?
Remaining entitlement may help you keep your current home and buy your next primary residence. You still need to qualify for the new loan.
Read the bonus entitlement guide →Know the full payment
What fits your budget?
A down payment is only one part of the decision. Explore your estimated mortgage payment, property taxes, and homeowners insurance.
Estimate a monthly payment →A clear path forward
Questions are welcome.
Understand your loan options and the steps from your first conversation through closing day.
Explore VA loans →See the mortgage roadmap →
VA entitlement, in plain English.
Can I have two VA loans at the same time?
Yes, when your available entitlement and finances support the new loan and you intend to live in the new home. This is not a way to use a VA purchase loan for a vacation home or a property bought solely to rent out.
Why use the original loan amount?
This quick estimate uses 25% of your original VA purchase loan amount, for original loans above $144,000. Paying the loan down does not automatically restore entitlement. The entitlement charged on your COE is the better starting point, especially after a refinance or other prior VA borrowing.
How does the calculator estimate a down payment?
For partial entitlement, it starts with 25% of your county's one-unit limit, subtracts entitlement already used, and multiplies the remainder by four. Above that estimated zero-down amount, a typical down payment is 25% of the difference when the appraisal supports the price. A lower appraisal adds a separate gap. No extra $36,000 is added to the county-based total.
What if I have full entitlement?
Full entitlement has no VA-imposed county loan cap. That does not mean unlimited approval: your income, credit, other payments, the property, and lender requirements still matter. This tool cannot calculate an income-based maximum.
What doesn't this estimate include?
Closing costs, taxes, insurance, and any VA funding fee are separate. Loans of $144,000 or less, joint loans using more than one veteran's benefit, and unusual prior-loan histories need an individual review. Read more in our mortgage FAQs.
Mike Baker · The Rate Shop · NMLS 259076
2026 limits · Reviewed September 30, 2026 · Kansas & Missouri
2026 one-unit limit: $832,750 in every Kansas and Missouri county. County limits apply to partial-entitlement estimates, not as a cap for full entitlement.