VA loan limits no longer apply to qualified Veterans with their full VA loan entitlement.
Veterans with reduced VA loan entitlement must still follow VA loan limits. Keep in mind, VA loan limits are not a maximum on how much you can borrow but help determine how much you can borrow without needing to factor in a down payment.
VA Loan Limit Calculator
About VA Loan Limits
VA loan limits received a massive increase in 2024. The standard VA loan limit in 2024 is $766,550 for most U.S. counties, increasing from $726,200 in 2023.
VA loan limits also increased for high-cost counties, topping out at $1,149,825 for a single-family home.
VA loan limits do not represent a cap or max loan amount. Veterans with their full entitlement can get as much as a lender is willing to give them without needing a down payment. However, 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 ($766,550 loan limit). Because the VA guarantees a quarter of the loan amount, the maximum entitlement in this county is currently $191,638.
Here’s how the typical VA loan limit calculations look:
- $191,638 - $60,000 in current entitlement = $131,638 remaining entitlement.
- $131,638 remaining entitlement x 4 = $526,550.
$526,550 represents how much you can borrow before needing a down payment.
In this example, you can purchase a home with $0 down up to $526,550. Anything above that mark would require a down payment equal to 25 percent of the difference between that ceiling and the purchase price.
See how much home you can afford with theVALoan
VA Loan Limit Table by County
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 $766,550 to $1,149,825.
The table below breaks out VA loan limits by county. If you're unsure of your county, use our calculator above and input a city or zip code.
Keep in mind, if you have full VA entitlement, VA loan limits won't apply. If you're unsure if you have remaining entitlement, Veterans United is here to help. Contact a home loan specialist today.
VA Loan Limits by County
-
Alabama
AL
- All areas $766,550
-
Alaska
AK
- Aleutians East $1,149,825
- Aleutians West $1,149,825
- Anchorage $1,149,825
- Bethel $1,149,825
- Bristol Bay $1,149,825
- Denali $1,149,825
- Dillingham $1,149,825
- Fairbanks North Star $1,149,825
- Haines $1,149,825
- Hoonah Angoon $1,149,825
- Juneau $1,149,825
- Kenai Peninsula $1,149,825
- Ketchikan Gateway $1,149,825
- Kodiak Island $1,149,825
- Kusilvak $1,149,825
- Lake And Peninsula $1,149,825
- Matanuska Susitna $1,149,825
- Nome $1,149,825
- North Slope $1,149,825
- Northwest Arctic $1,149,825
- Petersburg $1,149,825
- Prince Of Wales Hyder $1,149,825
- Sitka $1,149,825
- Skagway $1,149,825
- Southeast Fairbanks $1,149,825
- Wrangell $1,149,825
- Yakutat $1,149,825
- Yukon Koyukuk $1,149,825
- All other areas $766,550
-
Arizona
AZ
- All areas $766,550
-
Arkansas
AR
- All areas $766,550
-
California
CA
- Alameda $1,149,825
- Contra Costa $1,149,825
- Los Angeles $1,149,825
- Marin $1,149,825
- Monterey $920,000
- Napa $1,017,750
- Orange $1,149,825
- San Benito $1,149,825
- San Diego $1,006,250
- San Francisco $1,149,825
- San Luis Obispo $929,200
- San Mateo $1,149,825
- Santa Barbara $838,350
- Santa Clara $1,149,825
- Santa Cruz $1,149,825
- Sonoma $877,450
- Ventura $954,500
- All other areas $766,550
-
Colorado
CO
- Adams $816,500
- Arapahoe $816,500
- Boulder $856,750
- Broomfield $816,500
- Clear Creek $816,500
- Denver $816,500
- Douglas $816,500
- Eagle $1,149,825
- Elbert $816,500
- Garfield $1,149,825
- Gilpin $816,500
- Jefferson $816,500
- Park $816,500
- Pitkin $1,149,825
- Routt $1,012,000
- San Miguel $994,750
- Summit $1,006,250
- All other areas $766,550
-
Connecticut
CT
- All areas $766,550
-
Delaware
DE
- All areas $766,550
-
Florida
FL
- Monroe $929,200
- All other areas $766,550
-
Georgia
GA
- All areas $766,550
-
Hawaii
HI
- Hawaii $1,149,825
- Honolulu $1,149,825
- Kalawao $1,149,825
- Kauai $1,149,825
- Maui $1,149,825
-
Idaho
ID
- Teton $1,149,825
- All other areas $766,550
-
Illinois
IL
- All areas $766,550
-
Indiana
IN
- All areas $766,550
-
Iowa
IA
- All areas $766,550
-
Kansas
KS
- All areas $766,550
-
Kentucky
KY
- All areas $766,550
-
Louisiana
LA
- All areas $766,550
-
Maine
ME
- All areas $766,550
-
Maryland
MD
- Calvert $1,149,825
- Charles $1,149,825
- Frederick $1,149,825
- Montgomery $1,149,825
- Prince Georges $1,149,825
- All other areas $766,550
-
Massachusetts
MA
- Dukes $1,149,825
- Essex $862,500
- Middlesex $862,500
- Nantucket $1,149,825
- Norfolk $862,500
- Plymouth $862,500
- Suffolk $862,500
- All other areas $766,550
-
Michigan
MI
- All areas $766,550
-
Minnesota
MN
- All areas $766,550
-
Mississippi
MS
- All areas $766,550
-
- All areas $766,550
-
Montana
MT
- All areas $766,550
-
Nebraska
NE
- All areas $766,550
-
Nevada
NV
- All areas $766,550
-
New Hampshire
NH
- Rockingham $862,500
- Strafford $862,500
- All other areas $766,550
-
New Jersey
NJ
- Bergen $1,149,825
- Essex $1,149,825
- Hudson $1,149,825
- Hunterdon $1,149,825
- Middlesex $1,149,825
- Monmouth $1,149,825
- Morris $1,149,825
- Ocean $1,149,825
- Passaic $1,149,825
- Somerset $1,149,825
- Sussex $1,149,825
- Union $1,149,825
- All other areas $766,550
-
New Mexico
NM
- All areas $766,550
-
New York
NY
- Bronx $1,149,825
- Kings $1,149,825
- Nassau $1,149,825
- New York $1,149,825
- Putnam $1,149,825
- Queens $1,149,825
- Richmond $1,149,825
- Rockland $1,149,825
- Suffolk $1,149,825
- Westchester $1,149,825
- All other areas $766,550
-
North Carolina
NC
- All areas $766,550
-
North Dakota
ND
- All areas $766,550
-
Ohio
OH
- All areas $766,550
-
Oklahoma
OK
- All areas $766,550
-
Oregon
OR
- All areas $766,550
-
Pennsylvania
PA
- Pike $1,149,825
- All other areas $766,550
-
Rhode Island
RI
- All areas $766,550
-
South Carolina
SC
- All areas $766,550
-
South Dakota
SD
- All areas $766,550
-
Tennessee
TN
- Cannon $943,000
- Cheatham $943,000
- Davidson $943,000
- Dickson $943,000
- Macon $943,000
- Maury $943,000
- Robertson $943,000
- Rutherford $943,000
- Smith $943,000
- Sumner $943,000
- Trousdale $943,000
- Williamson $943,000
- Wilson $943,000
- All other areas $766,550
-
Texas
TX
- All areas $766,550
-
Utah
UT
- Summit $1,149,825
- Wasatch $1,149,825
- Wayne $997,050
- All other areas $766,550
-
Vermont
VT
- All areas $766,550
-
Virginia
VA
- Alexandria City $1,149,825
- Arlington $1,149,825
- Clarke $1,149,825
- Culpeper $1,149,825
- Fairfax $1,149,825
- Fairfax City $1,149,825
- Falls Church City $1,149,825
- Fauquier $1,149,825
- Fredericksburg City $1,149,825
- Loudoun $1,149,825
- Madison $1,149,825
- Manassas City $1,149,825
- Manassas Park City $1,149,825
- Prince William $1,149,825
- Rappahannock $1,149,825
- Spotsylvania $1,149,825
- Stafford $1,149,825
- Warren $1,149,825
- All other areas $766,550
-
Washington
WA
- King $977,500
- Pierce $977,500
- Snohomish $977,500
- All other areas $766,550
-
West Virginia
WV
- Jefferson $1,149,825
- All other areas $766,550
-
Wisconsin
WI
- All areas $766,550
-
Wyoming
WY
- Teton $1,149,825
- All other areas $766,550
-
District Of Columbia
DC
- District Of Columbia $1,149,825
-
GU
- Guam $1,149,825
- All other areas $766,550
-
VI
- Saint Croix $1,149,825
- Saint John $1,149,825
- Saint Thomas $1,149,825
- All other areas $766,550
