Not sure? Your Certificate of Eligibility (COE) shows it. Basic entitlement of $36,000 on your COE means full entitlement.

2026 one-unit limit for Davis County, Utah: $832,750 (FHFA 2026 table)

Use the lesser of the price and the appraised value. Cash for any gap above the appraisal is separate.

1. 25% of the $832,750 county limit = $208,187.50
2. $208,187.50 − $75,000 in use = $133,187.50 remaining entitlement
3. $133,187.50 × 4 = $532,750 estimated max loan with $0 down
4. $600,000 − $532,750 = $67,250 above that. 25% of $67,250 = $16,812.50 estimated down payment (base loan $583,187.50 before any funding fee)

This is an estimate, not a loan approval or a commitment to lend. Your COE, the appraisal, lender overlays, credit, income, debt-to-income and VA residual income requirements all still apply. The down payment shown follows the common lender rule that entitlement plus cash covers 25% of the lesser of the price or the appraised value. Some lenders calculate it differently. It leaves out the VA funding fee; financing the fee raises the loan amount and can increase the down payment. Limits are the 2026 one-unit conforming loan limits from FHFA, which VA uses as its county loan limits. If the appraisal comes in below the price, the gap is extra cash and isn't shown here.

This calculator covers all 50 states, D.C. and U.S. territories for education only. It is not an offer to lend outside the states where Jimmy is licensed. The Entitlement Charged amount on your COE is what counts; the original-loan helper is only an estimate.

Learn more: VA Loan Entitlement Explained · Can You Have Two VA Loans at the Same Time?

Sources: VA entitlement and limits · VA guaranty calculation examples · FHFA 2026 loan limits · FHFA 2026 county table · VA funding fee

Jimmy Hobson, NMLS #1514540 · UMortgage, powered by NEXA Lending, NMLS #1660690 · Licensed in UT, ID, NV, WY, TX and OK · Equal Housing Opportunity