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VA Loan Limit Calculator

VA Loan Limits no longer apply to qualified veterans with their full VA loan entitlement! Veterans with diminished VA loan entitlement must still adhere to VA loan limits. Enter your city and state below to find the VA Loan limit amount for your area or learn more about VA loan limits changes in 2020.

VA loan limits determine how much a veteran with reduced entitlement can borrow before needing to factor in a down payment. VA loan limits vary by county and currently range from $510,400 to $765,600.

While qualified veterans with their full entitlement can borrow as much as a lender is willing to extend, those with reduced or diminished entitlement are bound to VA loan limits. Less-than-full entitlement is typically due to having one or more existing VA loans or because of default on prior VA loan.

Learn more about VA loan limits here.

State VA Loan Limits by County

  • Alabama VA Loan Limits by County
    • All areas $510,400
  • Alaska VA Loan Limits by County
    • Aleutians East $765,600
    • Aleutians West $765,600
    • Anchorage $765,600
    • Bethel $765,600
    • Bristol Bay $765,600
    • Denali $765,600
    • Dillingham $765,600
    • Fairbanks North Star $765,600
    • Haines $765,600
    • Hoonah-angoon Census Area $765,600
    • Juneau $765,600
    • Kenai Peninsula $765,600
    • Ketchikan Gateway $765,600
    • Kodiak Island $765,600
    • Kuslivak Census Area $765,600
    • Lake And Peninsula $765,600
    • Matanuska Susitna $765,600
    • Nome $765,600
    • North Slope $765,600
    • Northwest Arctic $765,600
    • Petersburg Census Area $765,600
    • Prince Of Wales-hyder Census Area $765,600
    • Sitka $765,600
    • Skagway $765,600
    • Southeast Fairbanks $765,600
    • Valdez Cordova $765,600
    • Wrangell $765,600
    • Yakutat $765,600
    • Yukon Koyukuk $765,600
    • All other areas $510,400
  • Arizona VA Loan Limits by County
    • All areas $510,400
  • Arkansas VA Loan Limits by County
    • All areas $510,400
  • California VA Loan Limits by County
    • Alameda $765,600
    • Contra Costa $765,600
    • El Dorado $569,250
    • Los Angeles $765,600
    • Marin $765,600
    • Mono $529,000
    • Monterey $672,750
    • Napa $764,750
    • Orange $765,600
    • Placer $569,250
    • Sacramento $569,250
    • San Benito $765,600
    • San Diego $701,500
    • San Francisco $765,600
    • San Luis Obispo $690,000
    • San Mateo $765,600
    • Santa Barbara $625,500
    • Santa Clara $765,600
    • Santa Cruz $765,600
    • Sonoma $704,950
    • Ventura $713,000
    • Yolo $569,250
    • All other areas $510,400
  • Colorado VA Loan Limits by County
    • Adams $575,000
    • Arapahoe $575,000
    • Boulder $644,000
    • Broomfield $575,000
    • Clear Creek $575,000
    • Denver $575,000
    • Douglas $575,000
    • Eagle $750,950
    • Elbert $575,000
    • Garfield $765,600
    • Gilpin $575,000
    • Jefferson $575,000
    • Lake $625,500
    • Park $575,000
    • Pitkin $765,600
    • Routt $638,250
    • San Miguel $625,500
    • Summit $625,500
    • All other areas $510,400
  • Connecticut VA Loan Limits by County
    • Fairfield $601,450
    • All other areas $510,400
  • Delaware VA Loan Limits by County
    • All areas $510,400
  • Florida VA Loan Limits by County
    • Monroe $552,000
    • All other areas $510,400
  • Georgia VA Loan Limits by County
    • Greene $515,200
    • All other areas $510,400
  • Hawaii VA Loan Limits by County
    • Hawaii $765,600
    • Honolulu $765,600
    • Kalawao $765,600
    • Kauai $765,600
    • Maui $765,600
  • Idaho VA Loan Limits by County
    • Blaine $625,500
    • Camas $625,500
    • Lincoln $625,500
    • Teton $765,600
    • All other areas $510,400
  • Illinois VA Loan Limits by County
    • All areas $510,400
  • Indiana VA Loan Limits by County
    • All areas $510,400
  • Iowa VA Loan Limits by County
    • All areas $510,400
  • Kansas VA Loan Limits by County
    • All areas $510,400
  • Kentucky VA Loan Limits by County
    • All areas $510,400
  • Louisiana VA Loan Limits by County
    • All areas $510,400
  • Maine VA Loan Limits by County
    • All areas $510,400
  • Maryland VA Loan Limits by County
    • Anne Arundel $520,950
    • Baltimore $520,950
    • Baltimore City $520,950
    • Calvert $765,600
    • Carroll $520,950
    • Charles $765,600
    • Frederick $765,600
    • Harford $520,950
    • Howard $520,950
    • Montgomery $765,600
    • Prince Georges $765,600
    • Queen Annes $520,950
    • All other areas $510,400
  • Massachusetts VA Loan Limits by County
    • Dukes $765,600
    • Essex $690,000
    • Middlesex $690,000
    • Nantucket $765,600
    • Norfolk $690,000
    • Plymouth $690,000
    • Suffolk $690,000
    • All other areas $510,400
  • Michigan VA Loan Limits by County
    • All areas $510,400
  • Minnesota VA Loan Limits by County
    • All areas $510,400
  • Mississippi VA Loan Limits by County
    • All areas $510,400
  • Missouri VA Loan Limits by County
    • All areas $510,400
  • Montana VA Loan Limits by County
    • All areas $510,400
  • Nebraska VA Loan Limits by County
    • All areas $510,400
  • Nevada VA Loan Limits by County
    • All areas $510,400
  • New Hampshire VA Loan Limits by County
    • Rockingham $690,000
    • Strafford $690,000
    • All other areas $510,400
  • New Jersey VA Loan Limits by County
    • Bergen $765,600
    • Essex $765,600
    • Hudson $765,600
    • Hunterdon $765,600
    • Middlesex $765,600
    • Monmouth $765,600
    • Morris $765,600
    • Ocean $765,600
    • Passaic $765,600
    • Somerset $765,600
    • Sussex $765,600
    • Union $765,600
    • All other areas $510,400
  • New Mexico VA Loan Limits by County
    • All areas $510,400
  • New York VA Loan Limits by County
    • Bronx $765,600
    • Dutchess $726,525
    • Kings $765,600
    • Nassau $765,600
    • New York $765,600
    • Orange $726,525
    • Putnam $765,600
    • Queens $765,600
    • Richmond $765,600
    • Rockland $765,600
    • Suffolk $765,600
    • Westchester $765,600
    • All other areas $510,400
  • North Carolina VA Loan Limits by County
    • Camden $625,500
    • Pasquotank $625,500
    • Perquimans $625,500
    • All other areas $510,400
  • North Dakota VA Loan Limits by County
    • All areas $510,400
  • Ohio VA Loan Limits by County
    • All areas $510,400
  • Oklahoma VA Loan Limits by County
    • All areas $510,400
  • Oregon VA Loan Limits by County
    • All areas $510,400
  • Pennsylvania VA Loan Limits by County
    • Pike $765,600
    • All other areas $510,400
  • Rhode Island VA Loan Limits by County
    • All areas $510,400
  • South Carolina VA Loan Limits by County
    • All areas $510,400
  • South Dakota VA Loan Limits by County
    • All areas $510,400
  • Tennessee VA Loan Limits by County
    • Cannon $563,500
    • Cheatham $563,500
    • Davidson $563,500
    • Dickson $563,500
    • Hickman $534,750
    • Macon $563,500
    • Maury $563,500
    • Robertson $563,500
    • Rutherford $563,500
    • Smith $563,500
    • Sumner $563,500
    • Trousdale $563,500
    • Williamson $563,500
    • Wilson $563,500
    • All other areas $510,400
  • Texas VA Loan Limits by County
    • All areas $510,400
  • Utah VA Loan Limits by County
    • Box Elder $646,300
    • Davis $646,300
    • Morgan $646,300
    • Salt Lake $600,300
    • Summit $762,450
    • Tooele $600,300
    • Wasatch $762,450
    • Weber $646,300
    • All other areas $510,400
  • Vermont VA Loan Limits by County
    • All areas $510,400
  • Virginia VA Loan Limits by County
    • Alexandria City $765,600
    • Amelia $535,900
    • Arlington $765,600
    • Caroline $535,900
    • Charles City $535,900
    • Chesterfield $535,900
    • Clarke $765,600
    • Colonial Heights City $535,900
    • Culpeper $765,600
    • Cumberland $535,900
    • Dinwiddie $535,900
    • Fairfax $765,600
    • Fairfax City $765,600
    • Falls Church City $765,600
    • Fauquier $765,600
    • Fredericksburg City $765,600
    • Goochland $535,900
    • Hanover $535,900
    • Henrico $535,900
    • Hopewell City $535,900
    • King And Queen $535,900
    • King William $535,900
    • Loudoun $765,600
    • Louisa $535,900
    • Madison $765,600
    • Manassas Park City $765,600
    • New Kent $535,900
    • Petersburg City $535,900
    • Powhatan $535,900
    • Prince George $535,900
    • Prince William $765,600
    • Rappahannock $765,600
    • Richmond City $535,900
    • Spotsylvania $765,600
    • Stafford $765,600
    • Sussex $535,900
    • Warren $765,600
    • All other areas $510,400
  • Washington VA Loan Limits by County
    • King $741,750
    • Pierce $741,750
    • Snohomish $741,750
    • All other areas $510,400
  • West Virginia VA Loan Limits by County
    • Jefferson $765,600
    • All other areas $510,400
  • Wisconsin VA Loan Limits by County
    • All areas $510,400
  • Wyoming VA Loan Limits by County
    • Teton $765,600
    • All other areas $510,400
  • District Of Columbia VA Loan Limits by County
    • District Of Columbia $765,600

About VA Loan Limits

The standard VA loan limit is $510,400 for most U.S. counties in 2020, an increase from $484,350 in 2019. For more expensive housing markets in the continental U.S., VA loan limits reach all the way up to $765,600 for 2020, up from $726,525 in 2019.

Remember, these limits do not represent a cap on borrowing. Veterans with their full entitlement can get as much as a lender is willing to give them without needing a down payment. But veterans with one or more active VA loans or who have defaulted on a previous VA loan will encounter the limits, which will in part determine their zero-down buying power.

VA Loan Limit Example

Let’s assume you’re currently using $60,000 of your VA loan entitlement and want to purchase a new home in a standard cost county ($510,400 loan limit). Because the VA guaranties a quarter of the loan amount, the maximum entitlement in this county is currently $127,600.

Generally, here’s how the loan limit calculations would look:

  • $127,600 - $60,000 in current entitlement = $67,600 remaining entitlement
  • $67,600 remaining entitlement x 4 = $270,400

That $270,400 figure represents how much you could borrow before needing to make a down payment. This veteran could buy with $0 down all the way up to $270,400. Purchasing above that mark would require a down payment equal to 25 percent of the difference between that ceiling and the purchase price.