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VA Loan Limit Calculator

Enter your city and state below to find the VA Loan limit amount for your area. You can also get up-to-date information about changing VA Loan limits.

VA Loan Limits, starting at $453,100, are not a cap on how much an eligible veteran can borrow. Instead, these limits help determine how much qualified veterans can borrow before needing to make a down payment. VA borrowers can absolutely purchase a home above the county loan limit, but doing so requires a down payment – typically equal to 25 percent of the difference between the VA loan limit and the purchase price of the home.

State VA Loan Limits by County

  • Alabama VA Loan Limits by County
    • All areas $453,100
  • Alaska VA Loan Limits by County
    • Aleutians East $679,650
    • Aleutians West $679,650
    • Anchorage $679,650
    • Bethel $679,650
    • Bristol Bay $679,650
    • Denali $679,650
    • Dillingham $679,650
    • Fairbanks North Star $679,650
    • Haines $679,650
    • Juneau $679,650
    • Kenai Peninsula $679,650
    • Ketchikan Gateway $679,650
    • Kodiak Island $679,650
    • Lake And Peninsula $679,650
    • Matanuska Susitna $679,650
    • Nome $679,650
    • North Slope $679,650
    • Northwest Arctic $679,650
    • Prince Of Wales Hyder $679,650
    • Sitka $679,650
    • Skagway $679,650
    • Southeast Fairbanks $679,650
    • Valdez Cordova $679,650
    • Wade Hampton $679,650
    • Wrangell $679,650
    • Yakutat $679,650
    • Yukon Koyukuk $679,650
    • All other areas $453,100
  • Arizona VA Loan Limits by County
    • All areas $453,100
  • Arkansas VA Loan Limits by County
    • All areas $453,100
  • California VA Loan Limits by County
    • Alameda $679,650
    • Alpine $463,450
    • Contra Costa $679,650
    • El Dorado $517,500
    • Los Angeles $679,650
    • Marin $679,650
    • Mono $529,000
    • Monterey $615,250
    • Napa $679,650
    • Nevada $477,250
    • Orange $679,650
    • Placer $517,500
    • Sacramento $517,500
    • San Benito $679,650
    • San Diego $649,750
    • San Francisco $679,650
    • San Luis Obispo $615,250
    • San Mateo $679,650
    • Santa Barbara $625,500
    • Santa Clara $679,650
    • Santa Cruz $679,650
    • Solano $460,000
    • Sonoma $648,600
    • Ventura $672,750
    • Yolo $517,500
    • All other areas $453,100
  • Colorado VA Loan Limits by County
    • Adams $529,000
    • Arapahoe $529,000
    • Boulder $578,450
    • Broomfield $529,000
    • Clear Creek $529,000
    • Denver $529,000
    • Douglas $529,000
    • Eagle $679,650
    • Elbert $529,000
    • Garfield $679,650
    • Gilpin $529,000
    • Jefferson $529,000
    • Lake $625,500
    • Park $529,000
    • Pitkin $679,650
    • Routt $625,500
    • San Miguel $625,500
    • Summit $625,500
    • All other areas $453,100
  • Connecticut VA Loan Limits by County
    • Fairfield $601,450
    • All other areas $453,100
  • Delaware VA Loan Limits by County
    • All areas $453,100
  • Florida VA Loan Limits by County
    • Monroe $529,000
    • All other areas $453,100
  • Georgia VA Loan Limits by County
    • Greene $515,200
    • All other areas $453,100
  • Hawaii VA Loan Limits by County
    • Hawaii $679,650
    • Honolulu $721,050
    • Kauai $713,000
    • Maui $679,650
    • All other areas $453,100
  • Idaho VA Loan Limits by County
    • Blaine $625,500
    • Camas $625,500
    • Lincoln $625,500
    • Teton $679,650
    • All other areas $453,100
  • Illinois VA Loan Limits by County
    • All areas $453,100
  • Indiana VA Loan Limits by County
    • All areas $453,100
  • Iowa VA Loan Limits by County
    • All areas $453,100
  • Kansas VA Loan Limits by County
    • All areas $453,100
  • Kentucky VA Loan Limits by County
    • All areas $453,100
  • Louisiana VA Loan Limits by County
    • All areas $453,100
  • Maine VA Loan Limits by County
    • All areas $453,100
  • Maryland VA Loan Limits by County
    • Anne Arundel $517,500
    • Baltimore $517,500
    • Baltimore City $517,500
    • Calvert $679,650
    • Carroll $517,500
    • Charles $679,650
    • Frederick $679,650
    • Harford $517,500
    • Howard $517,500
    • Montgomery $679,650
    • Prince Georges $679,650
    • Queen Annes $517,500
    • All other areas $453,100
  • Massachusetts VA Loan Limits by County
    • Dukes $679,650
    • Essex $603,750
    • Middlesex $603,750
    • Nantucket $679,650
    • Norfolk $603,750
    • Plymouth $603,750
    • Suffolk $603,750
    • All other areas $453,100
  • Michigan VA Loan Limits by County
    • All areas $453,100
  • Minnesota VA Loan Limits by County
    • All areas $453,100
  • Mississippi VA Loan Limits by County
    • All areas $453,100
  • Missouri VA Loan Limits by County
    • All areas $453,100
  • Montana VA Loan Limits by County
    • All areas $453,100
  • Nebraska VA Loan Limits by County
    • All areas $453,100
  • Nevada VA Loan Limits by County
    • All areas $453,100
  • New Hampshire VA Loan Limits by County
    • Rockingham $603,750
    • Strafford $603,750
    • All other areas $453,100
  • New Jersey VA Loan Limits by County
    • Bergen $679,650
    • Essex $679,650
    • Hudson $679,650
    • Hunterdon $679,650
    • Middlesex $679,650
    • Monmouth $679,650
    • Morris $679,650
    • Ocean $679,650
    • Passaic $679,650
    • Somerset $679,650
    • Sussex $679,650
    • Union $679,650
    • All other areas $453,100
  • New Mexico VA Loan Limits by County
    • All areas $453,100
  • New York VA Loan Limits by County
    • Bronx $679,650
    • Dutchess $679,650
    • Kings $679,650
    • Nassau $679,650
    • New York $679,650
    • Orange $679,650
    • Putnam $679,650
    • Queens $679,650
    • Richmond $679,650
    • Rockland $679,650
    • Suffolk $679,650
    • Westchester $679,650
    • All other areas $453,100
  • North Carolina VA Loan Limits by County
    • Camden $625,500
    • Currituck $458,850
    • Gates $458,850
    • Hyde $483,000
    • Pasquotank $625,500
    • Perquimans $625,500
    • All other areas $453,100
  • North Dakota VA Loan Limits by County
    • All areas $453,100
  • Ohio VA Loan Limits by County
    • All areas $453,100
  • Oklahoma VA Loan Limits by County
    • All areas $453,100
  • Oregon VA Loan Limits by County
    • Hood River $454,250
    • All other areas $453,100
  • Pennsylvania VA Loan Limits by County
    • Pike $679,650
    • All other areas $453,100
  • Rhode Island VA Loan Limits by County
    • All areas $453,100
  • South Carolina VA Loan Limits by County
    • All areas $453,100
  • South Dakota VA Loan Limits by County
    • All areas $453,100
  • Tennessee VA Loan Limits by County
    • Cannon $494,500
    • Cheatham $494,500
    • Davidson $494,500
    • Dickson $494,500
    • Hickman $494,500
    • Macon $494,500
    • Maury $494,500
    • Robertson $494,500
    • Rutherford $494,500
    • Smith $494,500
    • Sumner $494,500
    • Trousdale $494,500
    • Williamson $494,500
    • Wilson $494,500
    • All other areas $453,100
  • Texas VA Loan Limits by County
    • All areas $453,100
  • Utah VA Loan Limits by County
    • Salt Lake $600,300
    • Summit $679,650
    • Tooele $600,300
    • All other areas $453,100
  • Vermont VA Loan Limits by County
    • All areas $453,100
  • Virginia VA Loan Limits by County
    • Alexandria City $679,650
    • Amelia $535,900
    • Arlington $679,650
    • Caroline $535,900
    • Charles City $535,900
    • Chesapeake City $458,850
    • Chesterfield $535,900
    • Clarke $679,650
    • Colonial Heights City $535,900
    • Culpeper $679,650
    • Cumberland $535,900
    • Dinwiddie $535,900
    • Fairfax $679,650
    • Falls Church City $679,650
    • Fauquier $679,650
    • Gloucester $458,850
    • Goochland $535,900
    • Hampton City $458,850
    • Hanover $535,900
    • Henrico $535,900
    • Hopewell City $535,900
    • Isle Of Wight $458,850
    • James City $458,850
    • King And Queen $535,900
    • King William $535,900
    • Loudoun $679,650
    • Louisa $535,900
    • Manassas Park City $679,650
    • Mathews $458,850
    • New Kent $535,900
    • Newport News City $458,850
    • Norfolk City $458,850
    • Petersburg City $535,900
    • Poquoson City $458,850
    • Portsmouth City $458,850
    • Powhatan $535,900
    • Prince George $535,900
    • Prince William $679,650
    • Rappahannock $679,650
    • Richmond City $535,900
    • Spotsylvania $679,650
    • Stafford $679,650
    • Suffolk City $458,850
    • Surry $458,850
    • Sussex $535,900
    • Virginia Beach City $458,850
    • Warren $679,650
    • York $458,850
    • All other areas $453,100
  • Washington VA Loan Limits by County
    • King $667,000
    • Pierce $667,000
    • San Juan $483,000
    • Snohomish $667,000
    • All other areas $453,100
  • West Virginia VA Loan Limits by County
    • Jefferson $679,650
    • All other areas $453,100
  • Wisconsin VA Loan Limits by County
    • All areas $453,100
  • Wyoming VA Loan Limits by County
    • Teton $679,650
    • All other areas $453,100
  • District Of Columbia VA Loan Limits by County
    • District Of Columbia $679,650

About VA Loan Limits

The standard VA loan limit is $453,100 for most U.S. counties in 2018, an increase from $424,100 in 2017.

That means qualified VA buyers in most parts of the country can now borrow up to $453,100 before needing to factor in a down payment.

For more expensive housing markets in the continental U.S., VA loan limits reach all the way up to $679,650 for 2018, up from $636,150 in 2017. The loan limit is even higher in a couple Hawaii counties.

Example

For example, a buyer with full VA loan entitlement wanting a $653,100 home in a regular-cost county would need a $50,000 down payment [($653,100 – 453,100 = $200,000) x 25 percent]. This example purchase comes with an 8 percent down payment. For the same home, a conventional borrower might need a 20 percent down payment.

Lenders will typically consider any loan above the conforming loan limit of $453,100 to be a VA jumbo loan, regardless of the VA loan limit for that county. However, unlike other jumbo loans, as long as the purchase price of the property is within the county loan limit, you likely won’t need a down payment.

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