2022 VA Loan Limits by County

Updated: July 14, 2022

Table of Contents

    Legislation passed in 2019 effectively abolished existing loan limits for some VA mortgages, removing the upper limit on VA-backed loans.However, many lenders have eligibility rules that exceed the qualifications set by the VA.

    Also, VA loan limits remain a factor for veterans with diminished VA loan entitlement who want to use a VA mortgage without a down payment. That includes veterans wanting to hold multiple VA mortgages at the same time or those who’ve lost a previous VA loan to default.

    In those cases, lenders typically follow the conforming loan limits (CLL) for mortgages acquired by Fannie Mae and Freddie Mac, set each year by the Federal Housing Finance Agency.

    So, while VA-backed mortgages are securitized – meaning packaged into bonds that are sold to investors – by Ginnie Mae (not Fannie Mae or Freddie Mac) some rules can be the same.

    New VA Loan Limit Rules

    As of Jan. 1, 2020, the federally-established VA conforming loan limit maximum no longer applies to veterans seeking“jumbo loans” or veterans living in higher-cost markets. This means veterans can obtain a no-down payment VA-backed loan in any part of the country, regardless of home prices.

    In most of the U.S., the 2022 maximum conforming loan limit (CLL) for single unit properties is $647,200, an 18.05% increase from $548,250 in 2021. The ceiling loan limit for single-unit properties in most high-cost areas is $970,800 – or 150% of the $647,200 loan limit for most single-unit properties.

    Removing loan limits doesn’t mean borrowers have unlimited borrowing power without a down payment.

    Borrowers must still demonstrate sufficient income, and must meet lender credit requirements to qualify for a loan.

    Lenders can continue to impose their own maximum loan amounts. Loan limits will still apply to veterans who have more than one active VA loan or have defaulted on a previous loan.

    Why Did This Change?

    VA Loan Limits went away because the Department of Veterans Affairs can now back loans that exceed the conforming loan limit.

    President Donald Trump signed a bill to eliminate this cap on June 25, 2019. The new law also temporarily increased rates for certain VA loans by 0.15-0.30%.

    Learn more about this change and other VA loan changes.

    2022 Maximum Conforming Loan Limits (CLL)

    StateCountyOne-Unit LimitTwo-Unit LimitThree-Unit LimitFour-Unit LimitOne-Unit ChangePercent Change
    N/AAll Other Counties$647,200 $828,700 $1,001,650 $1,244,850 $98,950 18.05%
    AKAleutians East Borough$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    AKAleutians West Census Area$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    AKAnchorage Municipality$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    AKBethel Census Area$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    AKBristol Bay Borough$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    AKDenali Borough$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    AKDillingham Census Area$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    AKFairbanks North Star Borough$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    AKHaines Borough$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    AKHoonah-Angoon Census Area$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    AKJuneau City and Borough$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    AKKenai Peninsula Borough$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    AKKetchikan Gateway Borough$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    AKKodiak Island Borough$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    AKKusilvak Census Area$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    AKLake And Peninsula Borough$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    AKMatanuska-Susitna Borough$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    AKNome Census Area$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    AKNorth Slope Borough$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    AKNorthwest Arctic Borough$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    AKPetersburg Census Area$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    AKPrince Of Wales-Hyder Census Area$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    AKSitka City and Borough$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    AKSkagway Municipality$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    AKSoutheast Fairbanks Census Area$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    AKValdez-Cordova Census Area$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    AKWrangell City and Borough$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    AKYakutat City and Borough$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    AKYukon-Koyukuk Census Area$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    CAAlameda County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    CAContra Costa County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    CAEl Dorado County$675,050 $864,200 $1,044,600 $1,298,200 $77,050 12.88%
    CALos Angeles County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    CAMarin County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    CAMonterey County$854,450 $1,093,850 $1,322,200 $1,643,200 $115,000 15.55%
    CANapa County$897,000 $1,148,350 $1,388,050 $1,725.05 $80,500 9.86%
    CAOrange County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    CAPlacer County$675,050 $864,200 $1,044,600 $1,298,200 $77,050 12.88%
    CASacramento County$675,050 $864,200 $1,044,600 $1,298,200 $77,050 12.88%
    CASan Benito County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    CASan Diego County$879,750 $1,126,250 $1,361,350 $1,691,850 $126,500 16.79%
    CASan Francisco County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    CASan Luis Obispo County$805,000 $1,030,550 $1,245,700 $1,548,100 $103,500 14.75%
    CASan Mateo County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    CASanta Barbara County$783,150 $1,002,600 $1,211,900 $1,506,100 $123,050 18.64%
    CASanta Clara County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05
    CASanta Cruz County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    CASonoma County$764,750 $979,000 $1,183,400 $1,470,700 $57,500 8.13%
    CAVentura County$851,000 $1,089,450 $1,316,900 $1, 636,550$111,550 15.09%
    CAYolo County$675,050 $864,200 $1,044,600 $1,298,200 $77,050 12.88%
    COAdams County$684,250 $875,950 $1,058,850 $1,315,900 $87,400 14.64%
    COArapahoe County$684,250 $875,950 $1,058,850 $1,315,900 $87,400 14.64%
    COBoulder County$747,500 $956,950 $1,156,700 $1,437,500 $93,150 14.24%
    COBroomfield County$684,250 $875,950 $1,058,850 $1,315,900 $87,400 14.64%
    COClear Creek County$684,250 $875,950 $1,058,850 $1,315,900 $87,400 14.64%
    CODenver County$684,250 $875,950 $1,058,850 $1,315,900 $87,400 14.64%
    CODouglas County$684,250 $875,950 $1,058,850 $1,315,900 $87,400 14.64%
    COEagle County$862,500 $1,104,150 $1,334,700 $1,658,700 $40,125 4.88%
    COElbert County$684,250 $875,950 $1,058,850 $1,315,900 $87,400 14.64%
    COGarfield County$856,750 $1,096,800 $1,325,800 $1,647,650 $91,150 11.91%
    COGilpin County$684,250 $875,950 $1,058,850 $1,315,900 $87,400 14.64%
    COJefferson County$684,250 $875,950 $1,058,850 $1,315,900 $87,400 14.64%
    COPark County$684,250 $875,950 $1,058,850 $1,315,900 $87,400 14.64%
    COPitkin County$856,750 $1,096,800 $1,325,800 $1,647,650 $91,150 11.91%
    CORoutt County$678,500 $868,600 $1,049,950 $1,304,850 $-0.00%
    COSan Miguel County$756,700 $968,700 $1,170,950 $1,455,200 $106,950 16.46%
    COSummit County$822,375 $1,053,000 $1,272,750 $1,581,750 $-0.00%
    CTFairfield County$695,750 $890,700 $1,076,650 $1,338,000 $94,300 15.68%
    DCDistrict Of Columbia$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    FLMonroe County$710,700 $909,800 $1,099,750 $1,366,750 $102,350 16.82%
    GUGuam$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    HIHawaii County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    HIHonolulu County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    HIKalawao County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    HIKauai County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    HIMaui County$970,800 $1,053,000 $1,502,475 $1,867,275 $148,425 18.05%
    IDBlaine County$648,600 $830,300 $1,003,650 $1,247,300 $23,100 3.69%
    IDCamas County$648,600 $830,300 $1,003,650 $1,247,300 $23,100 3.69%
    IDTeton County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    MADukes County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    MAEssex County$770,500 $986,400 $1,192,300 $1,481,750 $46,000 46000%
    MAMiddlesex County$770,500 $986,400 $1,192,300 $1,481,750 $46,000 6.35%
    MANantucket County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    MANorfolk County$770,500 $986,400 $1,192,300 $1,481,750 $46,000 6.35%
    MAPlymouth County$770,500 $986,400 $1,192,300 $1,481,750 $46,000 6.35%
    MASuffolk County$770,500 $986,400 $1,192,300 $1,481,750 $46,000 6.35%
    MDCalvert County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    MDCharles County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    MDFrederick County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    MDMontgomery County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    MDPrince George's County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    NHRockingham County$770,500 $986,400 $1,192,300 $1,481,750 $46,000 6.35%
    NHStrafford County$770,500 $986,400 $1,192,300 $1,481,750 $46,000 6.35%
    NJBergen County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    NJEssex County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    NJHudson County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    NJHunterdon County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    NJMiddlesex County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    NJMonmouth County$970,800 $1,053,000 $1,502,475 $1,867,275 $148,425 18.05%
    NJMorris County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    NJOcean County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    NJPassaic County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    NJSomerset County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    NJSussex County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    NJUnion County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    NYBronx County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    NYDutchess County$726,525 $930,300 $1,124,475 $1,397,400 $-0.00%
    NYKings County$970,800 $1,243,050 $1,502,475 $1,581,750 $148,425 18.05%
    NYNassau County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    NYNew York County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    NYOrange County$726,525 $930,300 $1,124,475 $1,397,400 $-0.00%
    NYPutnam County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    NYQueens County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    NYRichmond County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    NYRockland County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    NYSuffolk County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    NYWestchester County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    PAPike County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    TNCannon County$694,600 $889,200 $1,074,850 $1,335,800 $108,100 18.43%
    TNCheatham County$694,600 $889,200 $1,074,850 $1,335,800 $108,100 18.43%
    TNDavidson County$694,600 $889,200 $1,074,850 $1,335,800 $108,100 18.43%
    TNDickson County$694,600 $889,200 $1,074,850 $1,335,800 $108,100 18.43%
    TNMacon County$694,600 $889,200 $1,074,850 $1,335,800 $108,100 18.43%
    TNMaury County$694,600 $889,200 $1,074,850 $1,335,800 $108,100 18.43%
    TNRobertson County$694,600 $889,200 $1,074,850 $1,335,800 $108,100 18.43%
    TNRutherford County$694,600 $889,200 $1,074,850 $1,335,800 $108,100 18.43%
    TNSmith County$694,600 $889,200 $1,074,850 $1,335,800 $108,100 18.43%
    TNSumner County$694,600 $889,200 $1,074,850 $1,335,800 $108,100 18.43%
    TNTrousdale County$694,600 $889,200 $1,074,850 $1,335,800 $108,100 18.43%
    TNWilliamson County$694,600 $889,200 $1,074,850 $1,335,800 $108,100 18.43%
    TNWilson County$694,600 $889,200 $1,074,850 $1,335,800 $108,100 18.43%
    UTSummit County$970,800 $1,243,050 $1,502,475 $1,867,275 $153,150 18.73%
    UTWasatch County$970,800 $1,243,050 $1,502,475 $1,867,275 $153,150 18.73%
    VAAlexandria City$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    VAArlington County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    VAClarke County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    VACulpeper County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    VAFairfax City$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    VAFairfax County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    VAFalls Church City$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    VAFauquier County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    VAFredericksburg City$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    VALoudoun County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    VAMadison County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    VAManassas City$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    VAManassas Park City$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    VAPrince William County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    VARappahannock County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    VASpotsylvania County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    VAStafford County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    VAWarren County$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    VISt. Croix Island$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    VISt. John Island$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    VISt. Thomas Island$970,800 $1,243,050 $1,502,475 $1,867,275 $148,425 18.05%
    WAKing County$891,250 $1,140,950 $1,379,150 $1,713,950 $34,500 4.65%
    WAPierce County$776,250 $993,750 $1,201,200 $1,492,800 $34,500 4.65%
    WASnohomish County$776,250 $993,750 $1,201,200 $1,492,800 $34,500 4.65%
    WVJefferson County$822,375 $1,053,000 $1,272,750 $1,581,750 $56,775 7.42%
    WYTeton County$822,375 $1,053,000 $1,272,750 $1,581,750 $56,775 7.42%

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

    Alaska, Hawaii, Guam, and the U.S. Virgin Islands have special statutory provisions that establish 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


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