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The VanguardEpique Realty

Buy with your VA benefit

Entitlement and what it affects

Why prior VA loans can change what is available to you.

6 minute read

The basic idea

  • Entitlement is the part of the benefit that backs the VA guaranty on your loan.
  • Entitlement is restored when the property is sold or the loan is paid in full.

Source: VA home loan entitlement and limits

When you have used it before

  • If you have a current VA loan or have not restored entitlement, you may still have remaining entitlement, and county loan limits can apply.
  • Your individual calculation belongs to VA and your lender. Request a COE and ask the lender to walk through it.

Source: VA home loan entitlement and limits

Sources

Official material this lesson draws on. Vanguard's explanation is educational; current official requirements govern.