Last updated: September 2025
Quick Answer
Yes, you can use your VA loan more than once. In 2025, VA loan rules will allow eligible veterans to restore, reuse, or even stack entitlement. Full entitlement removes loan limits, and recent updates have reduced the VA funding fee for many borrowers.
How VA loan entitlement works in 2025
VA loan entitlement is the amount the Department of Veterans Affairs guarantees on your behalf. In 2025, there are two types of entitlement:
- Full entitlement: You haven’t used your VA loan benefit, or you’ve restored it after selling a previous home and paying off the VA loan.
- Partial entitlement: You still have an active VA loan or defaulted on one in the past.
With full entitlement, there are no loan limits, meaning you can borrow as much as your lender approves without a down payment. However, partial entitlement may limit the amount you can borrow without making a down payment.
This is why understanding how to reuse or restore your entitlement is crucial when planning a second VA-backed purchase.
How to reuse your VA loan
You can reuse your VA loan in several scenarios, depending on how your entitlement is currently allocated:
1. Restore entitlement after selling your home
If you sell your home and pay off the VA loan in full, you can apply for entitlement restoration using VA Form 26-1880. This allows you to reuse the benefit with full entitlement.
2. One-time restoration without selling
If you’ve paid off your VA loan but kept the property, the VA allows a one-time restoration of your entitlement. This allows you to use your VA loan again without selling the home, although future restorations will require a property sale.
3. Use the remaining entitlement for another purchase
If you have partial entitlement—for example, from a previous VA loan still in use—you may still be eligible for another VA loan.
However, you’ll need to meet lender-specific loan-to-value and credit guidelines, and you may be required to make a down payment if your remaining entitlement doesn’t fully cover the new loan.
What happens if you want two VA loans at once?
In some situations, you can hold two active VA loans simultaneously. This is called “VA loan stacking” and is allowed if:
- You’ve moved for work or military reassignment
- You’re purchasing a second home as your new primary residence
- You still occupy or maintain ownership of your original VA-financed home
Lenders will evaluate your remaining entitlement and your ability to afford both mortgages. In these cases, bonus entitlement may apply, allowing partial funding for the second property, even above conforming loan limits, with a down payment.
Are there VA loan limits in 2025?
If you have full entitlement, VA loans have no limits in 2025. This means:
- You can borrow above local conforming loan limits
- You are not required to make a down payment
- Your only restriction is what your lender will approve
If you have partial entitlement, VA loan limits may apply. The maximum loan amount you can borrow without a down payment will depend on the conforming loan limit in the property’s county.
Here’s a quick comparison:
| Entitlement Status | VA Loan Limits Apply? | Down Payment Required? |
|---|---|---|
| Full entitlement | No | No |
| Partial entitlement | Yes | Possibly |
2025 VA funding fee reductions
The VA funding fee helps sustain the VA loan program, but has been reduced for many borrowers in 2025. The standard funding fee rates are:
| Loan Use Scenario | First Use | Subsequent Use |
|---|---|---|
| Purchase or construction | 2.15% | 3.30% |
| With a 5–9.99% down payment | 1.50% | 1.50% |
| With 10%+ down payment | 1.25% | 1.25% |
Veterans with a VA disability rating of 10% or more remain exempt from the funding fee.
If you reuse your VA loan, you may be required to pay the higher “subsequent use” fee, unless you are exempt or make a qualifying down payment.
Occupancy and eligibility for repeat use
VA loans are intended for primary residences, so repeat use requires that:
- You intend to live in the new home as your primary residence
- You meet VA and lender income, debt ratio, and credit guidelines
- You provide an updated Certificate of Eligibility (COE) showing remaining entitlement
For dual-use or second-home scenarios, the VA does not allow you to use the loan for investment properties or vacation homes, but military relocations often qualify for exceptions.
FAQ: Can I Use My VA Loan Twice?
Yes, if you have remaining entitlement and a valid reason, such as a military relocation, you may hold two active VA loans.
You must fill out VA Form 26-1880 to request restoration after paying off your prior VA loan. A one-time restoration is available even if you keep the home.
There’s no maximum loan amount if you have full entitlement. With partial entitlement, local conforming loan limits apply.
Yes, unless you’re exempt due to a service-connected disability or make a qualifying down payment.
Only if you plan to live in the new home as your primary residence. The VA does not back loans for vacation or investment properties.
Ready to reuse your VA loan benefits?
You can use your VA loan benefit more than once—as long as your entitlement supports it.
Whether you're restoring entitlement after a home sale or using remaining eligibility to buy again, the 2025 VA loan program offers:
- Flexibility
- No down payment options
- Reduced funding fees
Start your second VA-backed home journey now. Get your VA loan quote today.
