$0 down, no PMI, competitive rates, and lifetime VA entitlement reuse. We work the full VA program suite: standard VA Purchase, VA Streamline (IRRRL), VA Cash-Out, VA Jumbo above county limits, and VA Alteration for renovation. Calculator below includes the VA funding fee and the option to roll it into the loan.
$0 down, no PMI, competitive rates. Eligible veterans, active-duty service members, National Guard members with 6 years of service, Reservists, and qualifying surviving spouses. Lifetime entitlement that can be reused.
Interest Rate Reduction Refinance Loan. Lower your existing VA rate fast with reduced documentation, no appraisal in many cases, and a reduced 0.50% funding fee (waived for disabled veterans). No income or asset documentation required for many borrowers.
Up to 100% LTV cash-out in many states. Use it for debt consolidation, renovation funding, investment property down payment, or college tuition. Available even on a non-VA first mortgage to convert to a VA loan.
Above conforming county limits, $0 down on full entitlement. We close VA Jumbo loans up to $4M in qualifying scenarios. Partial-entitlement buyers may put a smaller down payment to cover only the gap above the limit.
Buy or refinance and finance the rehab in a single VA loan. Covers structural, mechanical, energy efficiency, and accessibility upgrades. Especially useful when a property needs work to meet VA Minimum Property Requirements (MPRs).
Build a new home with VA financing. One-time-close construction-to-permanent loans from a VA-approved builder, with no payments required during construction in some structures. Final loan converts to a standard VA loan at completion.
Up to $6,000 added to a VA loan for energy improvements. Solar, insulation, windows, heating/cooling. Layered on a purchase or refinance, EEM costs are typically waived from the qualifying debt ratio because the savings offset the payment.
Direct VA loan for eligible Native American veterans buying, building, or improving a home on federal trust land. Low rate, low closing costs, no down payment, and no PMI. Available to all 50 states with participating tribal organizations.
Specially Adapted Housing (SAH) and Special Home Adaptation (SHA) grants for veterans with qualifying service-connected disabilities. SAH up to ~$117,014 and SHA up to ~$23,444 (2025 figures, adjusted annually) to build, modify, or buy an adapted home. Layers on top of VA financing.
VA financing for permanently affixed manufactured homes on owned land. Single-wide and double-wide eligible with proper foundation, HUD tags, and engineering certification. Subject to PRMG manufactured home overlays.
Buy with a non-veteran co-borrower (spouse, parent, or unmarried partner). Veteran's portion is VA-guaranteed; non-veteran's portion may require down payment on their share. Useful for multigenerational households.
Veterans with a service-connected disability rated 10% or higher are exempt from the VA funding fee. Surviving spouses of veterans who died in service or from a service-connected disability are also exempt. We help confirm and apply your exemption with the COE.
Includes the current VA funding fee schedule (2.15% first use / 3.30% subsequent use, 0.50% IRRRL), disability exemption, and the option to roll the fee into the loan.
VA funding fee per current VA guidelines. Final fee, qualification, and rate determined by full underwriting and Certificate of Eligibility (COE). Not a commitment to lend. PRMG is approved by the Department of Veterans Affairs.
Already have an active VA loan? Calculate your remaining Tier 2 entitlement and the down payment (if any) needed on your next home purchase. Based on the 2026 Fannie Mae county loan limits.
Already have an active VA loan? Calculate your remaining Tier 2 entitlement and whether a down payment is required on your next home purchase.
Loan details
Enter the original loan amount on your existing VA loan, typically found on your closing disclosure or mortgage statement. Your entitlement charged (25%) will be calculated automatically.
Every VA situation is unique. Ken can walk you through your exact entitlement, down payment options, and what to expect at closing, at no cost and no obligation.
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VA loan summary
Entitlement details
| Original VA loan balance | , |
| Entitlement charged (25% of original loan) | , |
| 2026 county loan limit (1-unit) | , |
| Max Tier 2 entitlement for county | , |
| Tier 2 entitlement available | , |
| Maximum VA loan (no down payment) | , |
Calculation steps