2023 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 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)

State	County	One-Unit Limit
N/A	All Other Counties	$726,200
AK	Aleutians East Borough	$1,089,300
AK	Aleutians West Census Area	$1,089,300
AK	Anchorage Municipality	$1,089,300
AK	Bethel Census Area	$1,089,300
AK	Bristol Bay Borough	$1,089,300
AK	Denali Borough	$1,089,300
AK	Dillingham Census Area	$1,089,300
AK	Fairbanks North Star Borough	$1,089,300
AK	Haines Borough	$1,089,300
AK	Hoonah-Angoon Census Area	$1,089,300
AK	Juneau City and Borough	$1,089,300
AK	Kenai Peninsula Borough	$1,089,300
AK	Ketchikan Gateway Borough	$1,089,300
AK	Kodiak Island Borough	$1,089,300
AK	Kusilvak Census Area	$1,089,300
AK	Lake And Peninsula Borough	$1,089,300
AK	Matanuska-Susitna Borough	$1,089,300
AK	Nome Census Area	$1,089,300
AK	North Slope Borough	$1,089,300
AK	Northwest Arctic Borough	$1,089,300
AK	Petersburg Census Area	$1,089,300
AK	Prince Of Wales-Hyder Census Area	$1,089,300
AK	Sitka City and Borough	$1,089,300
AK	Skagway Municipality	$1,089,300
AK	Southeast Fairbanks Census Area	$1,089,300
AK	Valdez-Cordova Census Area	$1,089,300
AK	Wrangell City and Borough	$1,089,300
AK	Yakutat City and Borough	$1,089,300
AK	Yukon-Koyukuk Census Area	$1,089,300
CA	Alameda County	$1,089,300
CA	Contra Costa County	$1,089,300
CA	El Dorado County	$763,600
CA	Los Angeles County	$1,089,300
CA	Marin County	$1,089,300
CA	Monterey County	$915,400
CA	Napa County	$1,017,750
CA	Orange County	$1,089,300
CA	Placer County	$763,600
CA	Sacramento County	$763,600
CA	San Benito County	$1,089,300
CA	San Diego County	$879,750
CA	San Francisco County	$1,089,300
CA	San Luis Obispo County	$911,950
CA	San Mateo County	$1,089,300
CA	Santa Barbara County	$805,000
CA	Santa Clara County	$1,089,300
CA	Santa Cruz County	$1,089,300
CA	Sonoma County	$861,350
CA	Ventura County	$948,750
CA	Yolo County	$763,600
CO	Adams County	$787,750
CO	Arapahoe County	$787,750
CO	Boulder County	$856,750
CO	Broomfield County	$787,750
CO	Clear Creek County	$787,750
CO	Denver County	$787,750
CO	Douglas County	$787,750
CO	Eagle County	$1,075,250
CO	Elbert County	$787,750
CO	Garfield County	$948,750
CO	Gilpin County	$787,750
CO	Jefferson County	$787,750
CO	Park County	$787,750
CO	Pitkin County	$948,750
CO	Routt County	$845,250
CO	San Miguel County	$862,500
CO	Summit County	$953,350
DC	District Of Columbia	$1,089,300
FL	Monroe County	$874,000
GU	Guam	$1,089,300
HI	Hawaii County	$1,089,300
HI	Honolulu County	$1,089,300
HI	Kalawao County	$1,089,300
HI	Kauai County	$1,089,300
HI	Maui County	$1,089,300
ID	Blaine County	$740,600
ID	Camas County	$740,600
ID	Teton County	$1,089,300
MA	Dukes County	$1,089,300
MA	Essex County	$828,000
MA	Middlesex County	$828,000
MA	Nantucket County	$1,089,300
MA	Norfolk County	$828,000
MA	Plymouth County	$828,000
MA	Suffolk County	$828,000
MD	Calvert County	$1,089,300
MD	Charles County	$1,089,300
MD	Frederick County	$1,089,300
MD	Montgomery County	$1,089,300
MD	Prince George's County	$1,089,300
NH	Rockingham County	$828,000
NH	Strafford County	$828,000
NJ	Bergen County	$1,089,300
NJ	Essex County	$1,089,300
NJ	Hudson County	$1,089,300
NJ	Hunterdon County	$1,089,300
NJ	Middlesex County	$1,089,300
NJ	Monmouth County	$1,089,300
NJ	Morris County	$1,089,300
NJ	Ocean County	$1,089,300
NJ	Passaic County	$1,089,300
NJ	Somerset County	$1,089,300
NJ	Sussex County	$1,089,300
NJ	Union County	$1,089,300
NY	Bronx County	$1,089,300
NY	Dutchess County	$726,525
NY	Kings County	$1,089,300
NY	Nassau County	$1,089,300
NY	New York County	$1,089,300
NY	Orange County	$726,525
NY	Putnam County	$1,089,300
NY	Queens County	$1,089,300
NY	Richmond County	$1,089,300
NY	Rockland County	$1,089,300
NY	Suffolk County	$1,089,300
NY	Westchester County	$1,089,300
PA	Pike County	$1,089,300
TN	Cannon County	$890,100
TN	Cheatham County	$890,100
TN	Davidson County	$890,100
TN	Dickson County	$890,100
TN	Macon County	$890,100
TN	Maury County	$890,100
TN	Robertson County	$890,100
TN	Rutherford County	$890,100
TN	Smith County	$890,100
TN	Sumner County	$890,100
TN	Trousdale County	$890,100
TN	Williamson County	$890,100
TN	Wilson County	$890,100
UT	Summit County	$1,089,300
UT	Wasatch County	$1,089,300
VA	Alexandria City	$1,089,300
VA	Arlington County	$1,089,300
VA	Clarke County	$1,089,300
VA	Culpeper County	$1,089,300
VA	Fairfax City	$1,089,300
VA	Fairfax County	$1,089,300
VA	Falls Church City	$1,089,300
VA	Fauquier County	$1,089,300
VA	Fredericksburg City	$1,089,300
VA	Loudoun County	$1,089,300
VA	Madison County	$1,089,300
VA	Manassas City	$1,089,300
VA	Manassas Park City	$1,089,300
VA	Prince William County	$1,089,300
VA	Rappahannock County	$1,089,300
VA	Spotsylvania County	$1,089,300
VA	Stafford County	$1,089,300
VA	Warren County	$1,089,300
VI	St. Croix Island	$1,089,300
VI	St. John Island	$1,089,300
VI	St. Thomas Island	$1,089,300
WA	King County	$977,500
WA	Pierce County	$977,500
WA	Snohomish County	$977,500
WV	Jefferson County	$1,089,300
WY	Teton 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

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