To access VDI, you need Windows Software Assurance on the client device or Microsoft Virtual Desktop Access licenses. RDS CALs are not used in this case. Windows Software Assurance and Virtual Desktop Access licenses include home use rights.
You can buy either Windows Software Assurance or VDA license. You don’t need both. The license is assigned to the client device.
RDS CAL will only come into picture when you use Sever based OS and create the Pooled VDI which can host multi-session and you install RDSH role on those VDI's.
Here is the link for your reference.
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