2023 VA Loan Limits by County

Updated: August 24, 2023
In 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 2023 maximum conforming loan limit (CLL) for single-unit properties is $726,200. That’s up 12.2% from 2022 ($647,200). In high-cost areas, the loan limit sits at $1,089,300.

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

    2023 VA Loan Limits (Maximum Conforming Loan Limits)

    StateCountyOne-Unit Limit
    N/AAll Other Counties$726,200
    AKAleutians East Borough$1,089,300
    AKAleutians West Census Area$1,089,300
    AKAnchorage Municipality$1,089,300
    AKBethel Census Area$1,089,300
    AKBristol Bay Borough$1,089,300
    AKDenali Borough$1,089,300
    AKDillingham Census Area$1,089,300
    AKFairbanks North Star Borough$1,089,300
    AKHaines Borough$1,089,300
    AKHoonah-Angoon Census Area$1,089,300
    AKJuneau City and Borough$1,089,300
    AKKenai Peninsula Borough$1,089,300
    AKKetchikan Gateway Borough$1,089,300
    AKKodiak Island Borough$1,089,300
    AKKusilvak Census Area$1,089,300
    AKLake And Peninsula Borough$1,089,300
    AKMatanuska-Susitna Borough$1,089,300
    AKNome Census Area$1,089,300
    AKNorth Slope Borough$1,089,300
    AKNorthwest Arctic Borough$1,089,300
    AKPetersburg Census Area$1,089,300
    AKPrince Of Wales-Hyder Census Area$1,089,300
    AKSitka City and Borough$1,089,300
    AKSkagway Municipality$1,089,300
    AKSoutheast Fairbanks Census Area$1,089,300
    AKValdez-Cordova Census Area$1,089,300
    AKWrangell City and Borough$1,089,300
    AKYakutat City and Borough$1,089,300
    AKYukon-Koyukuk Census Area$1,089,300
    CAAlameda County$1,089,300
    CAContra Costa County$1,089,300
    CAEl Dorado County $763,600
    CALos Angeles County$1,089,300
    CAMarin County$1,089,300
    CAMonterey County$915,400
    CANapa County$1,017,750
    CAOrange County$1,089,300
    CAPlacer County$763,600
    CASacramento County$763,600
    CASan Benito County$1,089,300
    CASan Diego County$879,750
    CASan Francisco County$1,089,300
    CASan Luis Obispo County$911,950
    CASan Mateo County$1,089,300
    CASanta Barbara County$805,000
    CASanta Clara County$1,089,300
    CASanta Cruz County$1,089,300
    CASonoma County$861,350
    CAVentura County$948,750
    CAYolo County$763,600
    COAdams County$787,750
    COArapahoe County$787,750
    COBoulder County$856,750
    COBroomfield County$787,750
    COClear Creek County$787,750
    CODenver County$787,750
    CODouglas County$787,750
    COEagle County$1,075,250
    COElbert County$787,750
    COGarfield County$948,750
    COGilpin County $787,750
    COJefferson County $787,750
    COPark County $787,750
    COPitkin County $948,750
    CORoutt County$845,250
    COSan Miguel County$862,500
    COSummit County$953,350
    DCDistrict Of Columbia$1,089,300
    FLMonroe County$874,000
    HIHawaii County$1,089,300
    HIHonolulu County$1,089,300
    HIKalawao County$1,089,300
    HIKauai County$1,089,300
    HIMaui County$1,089,300
    IDBlaine County$740,600
    IDCamas County$740,600
    IDTeton County$1,089,300
    MADukes County$1,089,300
    MAEssex County$828,000
    MAMiddlesex County$828,000
    MANantucket County$1,089,300
    MANorfolk County$828,000
    MAPlymouth County$828,000
    MASuffolk County$828,000
    MDCalvert County$1,089,300
    MDCharles County$1,089,300
    MDFrederick County$1,089,300
    MDMontgomery County$1,089,300
    MDPrince George's County$1,089,300
    NHRockingham County$828,000
    NHStrafford County$828,000
    NJBergen County$1,089,300
    NJEssex County$1,089,300
    NJHudson County$1,089,300
    NJHunterdon County$1,089,300
    NJMiddlesex County$1,089,300
    NJMonmouth County$1,089,300
    NJMorris County$1,089,300
    NJOcean County$1,089,300
    NJPassaic County$1,089,300
    NJSomerset County$1,089,300
    NJSussex County$1,089,300
    NJUnion County$1,089,300
    NYBronx County$1,089,300
    NYDutchess County$726,525
    NYKings County$1,089,300
    NYNassau County$1,089,300
    NYNew York County$1,089,300
    NYOrange County$726,525
    NYPutnam County$1,089,300
    NYQueens County$1,089,300
    NYRichmond County$1,089,300
    NYRockland County$1,089,300
    NYSuffolk County$1,089,300
    NYWestchester County$1,089,300
    PAPike County$1,089,300
    TNCannon County$890,100
    TNCheatham County$890,100
    TNDavidson County$890,100
    TNDickson County$890,100
    TNMacon County$890,100
    TNMaury County$890,100
    TNRobertson County$890,100
    TNRutherford County$890,100
    TNSmith County$890,100
    TNSumner County$890,100
    TNTrousdale County$890,100
    TNWilliamson County$890,100
    TNWilson County$890,100
    UTSummit County$1,089,300
    UTWasatch County$1,089,300
    VAAlexandria City$1,089,300
    VAArlington County$1,089,300
    VAClarke County$1,089,300
    VACulpeper County$1,089,300
    VAFairfax City$1,089,300
    VAFairfax County$1,089,300
    VAFalls Church City$1,089,300
    VAFauquier County$1,089,300
    VAFredericksburg City$1,089,300
    VALoudoun County$1,089,300
    VAMadison County$1,089,300
    VAManassas City$1,089,300
    VAManassas Park City$1,089,300
    VAPrince William County$1,089,300
    VARappahannock County$1,089,300
    VASpotsylvania County$1,089,300
    VAStafford County$1,089,300
    VAWarren County$1,089,300
    VISt. Croix Island$1,089,300
    VISt. John Island$1,089,300
    VISt. Thomas Island$1,089,300
    WAKing County$977,500
    WAPierce County$977,500
    WASnohomish County$977,500
    WVJefferson County$1,089,300
    WYTeton County$1,089,300

    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 $726,200.
    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 $375,000 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 $726,200. 

    The basic calculation would look something like this:

    • $726,200 x .25 = $181,550 maximum VA loan guarantee for the county
    • $375,000 x .25 = $93,750 is the amount of entitlement used 
    • $181,550 – $93,750 = $87,800 in remaining entitlement
    • $87,800 x 4 = $351,200

    So, $351,200 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.

    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.

    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.

    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

    Written by Veteran.com Team