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Guaranty Calculation Examples - Veterans Affairs

Effective: January 1, 2020 maximum VA Guaranty Calculation The information and Examples provided are solely to help you calculate the maximum VA Guaranty . This document does not supplement, override, or supersede any provisions of law, applicable statutes, regulations, or VA policies. While VA doesn t require a credit score or down payment for the VA home loan , the amount a lender will lend you may be based on individual borrower characteristics such as credit, cash on hand, down payments, and other factors.

Note: All dollar amounts below are simplified for explanation purposes . To see current conforming loan limits by county, refer to the ‘One-Unit Limit’ column in the Federal Housing Finance Agency's maximum loan limit table. Example 1 – (Full Entitlement) The maximum guaranty for borrowers with full entitlement is 25 percent of the loan ...

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