Your income + debts
Your max purchase
| Total qualifying income | $0 |
|---|---|
| Other monthly debts | $0 |
| Max PITI at 41% DTI | $0 |
| Implied max home price | $0 |
| Monthly PI at max | $0 |
| Monthly tax + insurance estimate | $0 |
Common questions
How does VA decide my maximum purchase price?
VA has no set maximum for full-entitlement Veterans. Your ceiling comes from income against the 41% debt-to-income guideline and the residual-income test, not a county cap. The 2026 conforming reference of $832,750 only matters for partial entitlement. Active-duty buyers can raise that ceiling by counting active-duty BAH as qualifying income, which for Portland runs $2,379 a month for an E-5 with dependents in 2026.
Do I need a down payment to hit a higher price?
No. Full-entitlement Veterans buy with 0% down, so income and monthly debts set the ceiling, not savings. Adding a down payment lowers the loan but is not required to qualify above $832,750.
Talk to an OR VA loan specialist about your numbers
Have a question about what this calculator showed you? Mike Certo (Cornerstone First Mortgage, Nationwide Mortgage Licensing System (NMLS) #260555) reviews every result personally. No commitment, no pressure.
Estimates only. Not a commitment to lend. Actual VA loan terms depend on full underwriting including credit, income, assets, property appraisal, residual income, and VA entitlement. Mike Certo · Cornerstone First Mortgage NMLS #173855 · Mike Certo NMLS #260555. Equal Housing Lender.
Authoritative source: the VA home loan overview.