2023 VA Loan Limits by County

Updated: December 23, 2022

VA loan limits act as a cap on the amount a homebuyer can purchase without needing a down payment. Fortunately, VA loan limits do not apply to eligible VA borrowers with full VA loan entitlement.

Veterans with diminished entitlement, typically from an outstanding VA loan or those wishing to hold multiple VA loans simultaneously, must still adhere to VA loan limits.

In most of the U.S., the 2023 maximum conforming loan limit (CLL) for single-unit properties is $726,200, a 12.2% increase from $647,200 in 2022. The ceiling loan limit for single-unit properties in most high-cost areas is $1,089,300 – or 150% of the $726,200 loan limit for most single-unit properties.

MORE: Veterans Can Buy a Home with $0 Down

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

How Legislation Changed VA Loan Limits

President Donald Trump signed a bill to eliminate this cap on June 25, 2019. As of Jan. 1, 2020, the federally-established conforming loan limit maximum no longer applies to veterans with their full VA loan entitlement. The change means veterans can obtain a no-down payment VA-backed loan in any part of the country, regardless of home prices.

The new law also temporarily increased the VA funding fee for certain VA loans by 0.15-0.30%.

Learn more about this change and other VA loan changes.

Who Updates VA Loan Limits?

Under the Housing and Economic Recovery Act (HERA) of 2008, the baseline conforming loan limits change in tandem with Fannie and Freddie to reflect changes in the average U.S. home price.

Alaska, Hawaii, Guam, and the U.S. Virgin Islands have special statutory provisions establishing different loan limit calculations.

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