Sign Up
Updated December 4, 2024
Fact-Checked

2026 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 […]

Advertiser Disclosure

Veteran.com and Three Creeks Media, LLC, its parent and affiliate companies, may receive compensation through advertising placements on Veteran.com. For any rankings or lists on this site, Veteran.com may receive compensation from the companies being ranked; however, this compensation does not affect how, where, and in what order products and companies appear in the rankings and lists. If a ranking or list has a company noted to be a “partner,” the indicated company is a corporate affiliate of Veteran.com. No tables, rankings, or lists are fully comprehensive and do not include all companies or available products.

Veteran.com and Three Creeks Media have partnered with CardRatings for our coverage of credit card products. Veteran.com and CardRatings may receive a commission from card issuers when a customer clicks on a link, when an application is approved, or when an account is opened. American Express is an advertiser on Veteran.com. Terms Apply to American Express benefits and offers.

Opinions, reviews, analyses & recommendations are the author's alone and have not been reviewed, endorsed, or approved by any of these entities.

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 2026 maximum conforming loan limit (CLL) for single-unit properties is $832,750. That’s up 3.25% from 2025 ($806,500). In high-cost areas, the loan limit sits at $1,249,125.

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

    2026 VA Loan Limits (Maximum Conforming Loan Limits)

    StateCountyOne-Unit Limit
    N/AAll Other Counties$832,750
    AKAnchorage Municipality$1,249,125
    AKFairbanks North Star Borough$1,249,125
    AKJuneau City And Borough$1,249,125
    AKKetchikan Gateway Borough$1,249,125
    AKMatanuska-Susitna Borough$1,249,125
    AKAleutians East Borough$1,249,125
    AKAleutians West Census Area$1,249,125
    AKBethel Census Area$1,249,125
    AKBristol Bay Borough$1,249,125
    AKChugach Census Area$1,249,125
    AKCopper River Census Area$1,249,125
    AKDenali Borough$1,249,125
    AKDillingham Census Area$1,249,125
    AKHaines Borough$1,249,125
    AKHoonah-Angoon Census Area$1,249,125
    AKKenai Peninsula Borough$1,249,125
    AKKodiak Island Borough$1,249,125
    AKKusilvak Census Area$1,249,125
    AKLake And Peninsula Borough$1,249,125
    AKNome Census Area$1,249,125
    AKNorth Slope Borough$1,249,125
    AKNorthwest Arctic Borough$1,249,125
    AKPetersburg Census Area$1,249,125
    AKPrince Of Wales-Hyder Census Area$1,249,125
    AKSitka City And Borough$1,249,125
    AKSkagway Municipality$1,249,125
    AKSoutheast Fairbanks Census Area$1,249,125
    AKWrangell City And Borough$1,249,125
    AKYakutat City And Borough$1,249,125
    AKYukon-Koyukuk Census Area$1,249,125
    CAAlameda County$1,249,125
    CAContra Costa County$1,249,125
    CALos Angeles County$1,249,125
    CAMarin County$1,249,125
    CAMonterey County$994,750
    CANapa County$1,017,750
    CAOrange County$1,249,125
    CASan Benito County$1,249,125
    CASan Diego County$1,104,000
    CASan Francisco County$1,249,125
    CASan Luis Obispo County$1,000,500
    CASan Mateo County$1,249,125
    CASanta Barbara County$941,850
    CASanta Clara County$1,249,125
    CASanta Cruz County$1,249,125
    CASonoma County$897,000
    CAVentura County$1,035,000
    COAdams County$862,500
    COArapahoe County$862,500
    COBoulder County$879,750
    COBroomfield County$862,500
    COClear Creek County$862,500
    CODenver County$862,500
    CODouglas County$862,500
    COEagle County$1,249,125
    COElbert County$862,500
    COGarfield County$1,209,750
    COGilpin County$862,500
    COJefferson County$862,500
    COLake County$1,092,500
    COMoffat County$1,089,050
    COPark County$862,500
    COPitkin County$1,209,750
    CORoutt County$1,089,050
    COSummit County$1,092,500
    COGrand County$883,200
    COSan Miguel County$994,750
    CTGreater Bridgeport Planning Region$977,500
    CTNaugatuck Valley Planning Region$851,000
    CTWestern Connecticut Planning Region$977,500
    DCDistrict Of Columbia$1,249,125
    FLMonroe County$990,150
    GUGuam$1,249,125
    HIHawaii County$1,249,125
    HIHonolulu County$1,249,125
    HIKalawao County$1,299,500
    HIKauai County$1,249,125
    HIMaui County$1,299,500
    IDTeton County$1,249,125
    MADukes County$1,249,125
    MAEssex County$962,550
    MAMiddlesex County$962,550
    MANantucket County$1,249,125
    MANorfolk County$962,550
    MAPlymouth County$962,550
    MASuffolk County$962,550
    MDCalvert County$1,209,750
    MDCharles County$1,249,125
    MDFrederick County$1,249,125
    MDMontgomery County$1,249,125
    MDPrince George'S County$1,249,125
    NHRockingham County$962,550
    NHStrafford County$962,550
    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$1,029,250
    TNCheatham County$1,029,250
    TNDavidson County$1,029,250
    TNDickson County$1,029,250
    TNHickman County$1,029,250
    TNMacon County$1,029,250
    TNMaury County$1,029,250
    TNRobertson County$1,029,250
    TNRutherford County$1,029,250
    TNSmith County$1,029,250
    TNSumner County$1,029,250
    TNTrousdale County$1,029,250
    TNWilliamson County$1,029,250
    TNWilson County$1,029,250
    UTSummit County$1,150,000
    UTWasatch County$1,150,000
    UTGrand County$839,500
    UTWayne County$997,050
    VAArlington County$1,249,125
    VAClarke County$1,249,125
    VACulpeper County$1,249,125
    VAFairfax County$1,249,125
    VAFauquier County$1,249,125
    VALoudoun County$1,249,125
    VAPrince William County$1,249,125
    VARappahannock County$1,249,125
    VASpotsylvania County$1,249,125
    VAStafford County$1,249,125
    VAWarren County$1,249,125
    VAAlexandria City$1,249,125
    VAFairfax City$1,249,125
    VAFalls Church City$1,249,125
    VAFredericksburg City$1,249,125
    VAManassas City$1,249,125
    VAManassas Park City$1,249,125
    VAMadison County$1,209,750
    VISt. Croix Island$1,249,125
    VISt. John Island$1,249,125
    VISt. Thomas Island$1,249,125
    WAKing County$1,063,750
    WAPierce County$1,063,750
    WASnohomish County$1,063,750
    WVJefferson County$1,249,125
    WYTeton County$1,249,125


    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 $832,750.
    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 $832,750. 

    The basic calculation would look something like this:

    • $832,750 x .25 = $208,187 maximum VA loan guarantee for the county
    • $415,000 x .25 = $103,750 is the amount of entitlement used 
    • $208,187 – $103,750 = $104,437 in remaining entitlement
    • $104,437 x 4 = $417,748

    So, $417,748 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, such as debt-to-income ratio, down payment, and credit score, you can obtain 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 own 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).

    Related Articles

    0% Down VA Home Loan Benefits: Start Here

    Check Your Eligibility

    Copyright © 2025. Three Creeks Media, LLC.

     

    Veteran.com is a property of Three Creeks Media. Neither Veteran.com nor Three Creeks Media are associated with or endorsed by any U.S. federal agency or department. The content on Veteran.com is produced by Three Creeks Media, and/or its partners, affiliates, and contractors.

    The content offered on Veteran.com is for general informational purposes only and should not be construed as legal or financial advice. If you have questions that relate to your unique financial situation, please consult a financial professional, accountant or attorney to discuss. References to third-party products, rates and offers may change without notice.

    Editorial Disclosure: Editorial content on Veteran.com may include opinions. Any opinions are those of the author alone, and not those of an advertiser to the site nor of Veteran.com.

    Advertiser Disclosure: Veteran.com, Three Creeks Media, LLC, and its parent and affiliate companies, may receive compensation through advertising placements on Veteran.com. For any rankings or lists on this site, Veteran.com may receive compensation from the companies being ranked; however, this compensation does not affect how, where, and in what order products and companies appear in the rankings and lists. If a ranking or list has a company noted to be a “partner,” the indicated company is a corporate affiliate of Veteran.com. No tables, rankings, or lists are fully comprehensive and do not include all companies or available products. You can read more about our card rating methodology here.

    Information from your device can be used to personalize your ad experience.