VA assumable mortgage toolkit
VA Entitlement and Substitution Calculator
Estimate remaining bonus entitlement, the commonly supported no-down-payment loan guide, and whether a Veteran buyer may have enough entitlement for a proposed substitution.
The default is the 2026 national high-cost ceiling. Enter the actual FHFA one-unit limit for the property county.
What This Estimate Does and Does Not Tell You
For a buyer without full entitlement, VA guidance uses 25% of the property’s one-unit county loan limit minus entitlement already charged and not restored. Most lenders commonly look for entitlement, down payment, or a combination equal to at least 25% of the target loan.
A substitution estimate does not confirm the buyer’s Certificate of Eligibility, occupancy, underwriting, appraisal, income, assets, credit, or servicer approval. A non-Veteran buyer may be able to assume a VA loan, but generally cannot substitute VA entitlement.
Educational estimate only. Confirm the COE, entitlement, liability release, and assumption structure with VA, the servicer, and qualified professionals.
