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Updated December 4, 2024
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2025 VA Loan Limits by County

A VA loan limit is a cap on how much a homebuyer can borrow without needing a down payment. However, thanks to the Blue Water Navy Vietnam Veterans Act of […]

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Inside This Article

    A VA loan limit is a cap on how much a homebuyer can borrow without needing a down payment. However, thanks to the Blue Water Navy Vietnam Veterans Act of 2019, VA loan limits do not apply to eligible VA borrowers with full VA loan entitlement.

    VA loan limits only apply to those with partial entitlement. Often that could mean the Veteran is buying a second property with a VA loan while they still own another home they originally acquired with a VA loan.

    The loan limit is based on county home prices. In most of the U.S., the 2025 maximum conforming loan limit (CLL) for single-unit properties is $806,500. That’s up 5.2% from 2024 ($766,550). In high-cost areas, the loan limit sits at $1,209,750.

    Have a question about VA loan limits? Contact a mortgage specialist here.

    2025 VA Loan Limits (Maximum Conforming Loan Limits)

    StateCountyOne-Unit Limit
    N/AAll Other Counties$806,500
    AKAleutians East Borough$1,209,750
    AKAleutians West Census Area$1,209,750
    AKAnchorage Municipality$1,209,750
    AKBethel Census Area$1,209,750
    AKBristol Bay Borough$1,209,750
    AKChugach Census Area$1,209,750
    AKCopper River Census Area$1,209,750
    AKDenali Borough$1,209,750
    AKDillingham Census Area$1,209,750
    AKFairbanks North Star Borough$1,209,750
    AKHaines Borough$1,209,750
    AKHoonah-Angoon Census Area$1,209,750
    AKJuneau City And Borough$1,209,750
    AKKenai Peninsula Borough$1,209,750
    AKKetchikan Gateway Borough$1,209,750
    AKKodiak Island Borough$1,209,750
    AKKusilvak Census Area$1,209,750
    AKLake And Peninsula Borough$1,209,750
    AKMatanuska-Susitna Borough$1,209,750
    AKNome Census Area$1,209,750
    AKNorth Slope Borough$1,209,750
    AKNorthwest Arctic Borough$1,209,750
    AKPetersburg Census Area$1,209,750
    AKPrince Of Wales-Hyder Census Area$1,209,750
    AKSitka City And Borough$1,209,750
    AKSkagway Municipality$1,209,750
    AKSoutheast Fairbanks Census Area$1,209,750
    AKWrangell City And Borough$1,209,750
    AKYakutat City And Borough$1,209,750
    AKYukon-Koyukuk Census Area$1,209,750
    CAAlameda County$1,209,750
    CAContra Costa County$1,209,750
    CALos Angeles County$1,209,750
    CAMarin County$1,209,750
    CAMonterey County$970,600
    CANapa County$1,017,750
    CAOrange County$1,209,750
    CASan Benito County$1,209,750
    CASan Diego County$1,077,550
    CASan Francisco County$1,209,750
    CASan Luis Obispo County$967,150
    CASan Mateo County$1,209,750
    CASanta Barbara County$913,100
    CASanta Clara County$1,209,750
    CASanta Cruz County$1,178,750
    CASonoma County$897,000
    CAVentura County$1,017,750
    COAdams County$833,750
    COArapahoe County$833,750
    COBoulder County$862,500
    COBroomfield County$833,750
    COClear Creek County$833,750
    CODenver County$833,750
    CODouglas County$833,750
    COEagle County$1,209,750
    COElbert County$833,750
    COGarfield County$1,209,750
    COGilpin County$833,750
    COGrand County$874,000
    COJefferson County$833,750
    COPark County$833,750
    COPitkin County$1,209,750
    CORoutt County$1,012,000
    COSan Miguel County$994,750
    COSummit County$1,067,200
    CTFairfield County$851,000
    DCDistrict Of Columbia$1,209,750
    FLMonroe County$967,150
    HIHawaii County$1,209,750
    HIHonolulu County$1,209,750
    HIKalawao County$1,209,750
    HIKauai County$1,209,750
    HIMaui County$1,209,750
    IDTeton County$1,209,750
    MDCalvert County$1,209,750
    MDCharles County$1,209,750
    MDFrederick County$1,209,750
    MDMontgomery County$1,209,750
    MDPrince George'S County$1,209,750
    MADukes County$1,209,750
    MAEssex County$914,250
    MAMiddlesex County$914,250
    MANantucket County$1,209,750
    MANorfolk County$914,250
    MAPlymouth County$914,250
    MASuffolk County$914,250
    NHRockingham County$914,250
    NHStrafford County$914,250
    NJBergen County$1,209,750
    NJEssex County$1,209,750
    NJHudson County$1,209,750
    NJHunterdon County$1,209,750
    NJMiddlesex County$1,209,750
    NJMonmouth County$1,209,750
    NJMorris County$1,209,750
    NJOcean County$1,209,750
    NJPassaic County$1,209,750
    NJSomerset County$1,209,750
    NJSussex County$1,209,750
    NJUnion County$1,209,750
    NYBronx County$1,209,750
    NYKings County$1,209,750
    NYNassau County$1,209,750
    NYNew York County$1,209,750
    NYPutnam County$1,209,750
    NYQueens County$1,209,750
    NYRichmond County$1,209,750
    NYRockland County$1,209,750
    NYSuffolk County$1,209,750
    NYWestchester County$1,209,750
    PAPike County$1,209,750
    TNCannon County$989,000
    TNCheatham County$989,000
    TNDavidson County$989,000
    TNDickson County$989,000
    TNMacon County$989,000
    TNMaury County$989,000
    TNRobertson County$989,000
    TNRutherford County$989,000
    TNSmith County$989,000
    TNSumner County$989,000
    TNTrousdale County$989,000
    TNWilliamson County$989,000
    TNWilson County$989,000
    UTSummit County$1,149,825
    UTWasatch County$1,149,825
    UTWayne County$997,050
    VAArlington County$1,209,750
    VAClarke County$1,209,750
    VACulpeper County$1,209,750
    VAFairfax County$1,209,750
    VAFauquier County$1,209,750
    VALoudoun County$1,209,750
    VAMadison County$1,209,750
    VAPrince William County$1,209,750
    VARappahannock County$1,209,750
    VASpotsylvania County$1,209,750
    VAStafford County$1,209,750
    VAWarren County$1,209,750
    VAAlexandria City$1,209,750
    VAFairfax City$1,209,750
    VAFalls Church City$1,209,750
    VAFredericksburg City$1,209,750
    VAManassas City$1,209,750
    VAManassas Park City$1,209,750
    WAKing County$1,037,300
    WAPierce County$1,037,300
    WASnohomish County$1,037,300
    WVJefferson County$1,209,750
    WYTeton County$1,209,750
    GUGuam$1,209,750
    VISt. Croix Island$1,209,750
    VISt. John Island$1,209,750
    VISt. Thomas Island$1,209,750


    Calculating Loan Amount With Loan Limits

    If VA loan limits apply to you, below is a step-by-step process to figuring out how much your loan can be before putting money down. 

    1. Use the chart above to find the VA loan limit for the county where you’re buying. If your county isn’t listed above, the amount is $806,500.
    2. Take the VA loan limit for that county, and multiply it by (.25) to find the maximum VA guarantee for that county.
    3. Figure out how much entitlement you’ve used by taking your original VA loan amount and multiplying it by (.25).
    4. Find your remaining entitlement by taking the maximum guarantee (from Point 2) and subtracting your entitlement used (from Point 3).
    5. Take your remaining entitlement and multiply it by 4. That will show how much you can borrow without a down payment.

    VA Loan Limit Example

    You took out a VA loan for $415,000 on your current home. You receive PCS orders and must move. Before you can sell your home, you arrive at your new location and want to buy a home. The new house is in Huntsville, AL, near Redstone Arsenal. Huntsville is in Madison County, AL, which has a loan limit of $806,500. 

    The basic calculation would look something like this:

    • $806,500 x .25 = $201,625 maximum VA loan guarantee for the county
    • $415,000 x .25 = $103,750 is the amount of entitlement used 
    • $201,625 – $103,750 = $97,875 in remaining entitlement
    • $97,875 x 4 = $391,500

    So, $391,500 is the largest amount you can borrow without making a down payment. 

    Note: In this example, you can get a larger VA loan; you would need to offset the difference of anything above the maximum amount with a down payment.

    Verify your VA loan eligibility

    Getting A Loan Above the VA Loan Limit

    It’s important to remember there is no max VA loan amount. However, as mentioned above, there is a limit to how much you can borrow without a down payment. Any loan above the county-specific limit is known as a VA jumbo loan. VA jumbo loans also have specific guidelines and rules.

    Qualifying For a VA Jumbo Loan Above a County Limit

    Depending on the lender’s requirements, like debt-to-income ratio, down payments, credit score, etc., you can get a VA jumbo loan. You’ll only be able to figure out how much you can borrow by talking with a specialist.

    Alternative Loan Options For Veterans

    Other alternative mortgage options are available, such as an FHA Loan, USDA Loan, or a conventional loan. Each of these options comes with its restrictions and guidelines.

    See how your military service can get you into a home for $0 down

    How Often VA Loan Limits Change

    VA loan limits are based on the conforming loan limits laid out by the Federal Housing Finance Agency (FHFA). The agency sets county limits based on home prices each year, with new limits taking effect on January 1st. The loan limit is based on the closing date of the VA loan, so loans that close shortly after the new year will be subject to the latest loan limits even if the application began prior to the new year.

    Check official requirements for a VA loan

    Regional Loan Center Info:

    • Cleveland Department of Veterans Affairs
      VA Regional Loan Center
      1240 East Ninth Street
      Cleveland, OH 44199
    • Denver Department of Veterans Affairs
      VA Regional Loan Center
      155 Van Gordon Street
      Lakewood, CO 80228
    • Honolulu Department of Veterans Affairs
      VA Regional Office
      Loan Guaranty Division (26)
      459 Patterson Rd.
      Honolulu, HI 96819
      * Not an RLC but can handle all Loan Guaranty matters for Hawaii.
    • Phoenix Department of Veterans Affairs
      VA Regional Loan Center
      3333 N. Central Avenue
      Phoenix, AZ 85012-2402
    • Roanoke Department of Veterans Affairs
      VA Regional Loan Center
      210 First Street
      Roanoke, VA 24011
    • St. Paul Department of Veterans Affairs
      VA Regional Loan Center
      1 Federal Drive, Ft. Snelling.
      St. Paul, MN 55111
    • St. Petersburg Department of Veterans Affairs
      VA Regional Loan Center
      9500 Bay Pines Blvd.
      St. Petersburg, FL 33708
    Start Here: $0 Down Payment VA Loan Eligibility

    Your military benefits make homeownership more affordable—$0 down, no PMI, and lower average rates whether you’re buying or refinancing. See if you're eligible today.

    • Written by Veteran.com Team

      The editorial team here at Veteran.com works to help the U.S. military community discover the many military benefits available to them. Our team is supported by our Veteran Review Board and its Standard of Care, which all content on Veteran.com is reviewed to meet.

    • Reviewed by Andrew Stamp

      Andrew Stamp served in U.S. Army special forces for more than 10 years and is currently pursuing his Chartered Financial Consultant (ChFC).

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