VA Entitlement Calculator — Arkansas
How much VA loan can I get in Arkansas?
VA borrowers with full entitlement have no loan limit in Arkansas as of 2020. Borrowers with partial entitlement face limits equal to the conforming limit ($806,500 in 2026 for most AR counties). Funding fee 2.15-3.30%, waived for service-connected disability.
Full entitlement vs partial entitlement
If you’ve never used a VA loan, or you’ve fully paid off all previous VA loans and the property has been sold, you have full entitlement. With full entitlement, the VA backs your loan with no maximum loan amount — the lender determines the limit based on your qualifications. If you have an active VA loan elsewhere, you have partial entitlement, and the FHFA conforming limit ($806,500 for most Arkansas counties in 2026) applies as a backstop.
Subsequent-use funding fee
The VA funding fee is higher on subsequent uses: 2.15% (regular military, first use) vs 3.3% (subsequent use). Disabled veterans, surviving spouses, and Purple Heart recipients are exempt from the funding fee entirely.
Restoration of entitlement
You can restore entitlement by: (1) paying off the existing VA loan and selling the property, (2) selling the property to another VA-eligible buyer who substitutes their entitlement, or (3) refinancing the existing VA loan into a non-VA product. We help structure entitlement restoration when needed.
What we calculate for you
Send us your situation — current VA loans (if any), discharge type and dates, and the property you’re considering — and we will calculate exact remaining entitlement, the maximum VA-backed loan amount available to you, applicable funding fee, and any waivers you may qualify for. Begin the analysis with a Certificate of Eligibility lookup at no cost.
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