VA Loan limits by county no longer apply to Veterans and Active Duty military members who have their Full VA loan entitlement.

In the past there were limits on how much you could borrow based off of what county you lived in, but recently the VA changed their rules and no longer require a down payment for anything over the VA loan limits. Now those limits only apply to people trying to have two VA loans at the same time, or to those who have defaulted on a VA loan in the past, and lost part of their entitlement.

About VA Loan Limits

VA loan limits are not a cap on how much you can borrow nor are they the maximum you can get for a VA loan. Veterans with full entitlement can get as much as a lender is willing to lend them without a down payment. We can offer loan amounts up to $3 million dollars with nothing down, assuming you can qualify for the loan. There is also no limit on the amount of cash you can take out in a VA refinance.

VA loan limits increased in 2022 from $548,250 in 2021 to $647,200 this year.

VA Loan limits also went up in high cost counties, maxing out at $970,800 in the most expensive areas for a single family home.

Calculating your Entitlement for a Second Home or with reduced entitlement

Lets assume you have purchased a home in a standard county ($647,200 loan limit) and you are currently using $50,000 if your entitlement, and would like to purchase a new home in the same area, so you can rent out the old one as an investment property.

The VA guarantees a quarter of the loan amount, so the maximum entitlement that you have in this county is $161,800 ($647,200 divided by 4).

To calculate your remaining entitlement, take that number and subtract out how much how much you have used or $161,800- $50,000 = $111,800 in remaining entitlement

Then to calculate how much you can take out with no down payment, you would take your remaining entitlement and multiply it by 4 to give you your no down payment loan amount or $447,200

If you would like to purchase something over that amount, the VA would require a down payment of $0.25 for every dollar over that amount or 25% of the difference between your purchase price and that limit.

For example if you wanted to buy a home for $500,000, you would calculate your down payment requirement like this ($500,000 – $447,200 = $52,800 over limit)

52,800 x .25 = $13,200 down payment to be able to have both loans at the same time.

Get Pre-Approved in Minutes 

This calculation can be very confusing, so if you need help checking your remaining eligibility with the VA or figuring out how much you can qualify for, our VA loan experts can do the math for you and get you approved for a loan:

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 $647,200 to $970,800.

The table below breaks out VA loan limits by county.

Keep in mind, if you have full VA entitlement, these do not apply. If you would like help in calculating your remaining entitlement, please contact one of our VA Mortgage Experts

Alabama
All areas$647,200
Alaska
Aleutians East$970,800
Aleutians West$970,800
Anchorage$970,800
Bethel$970,800
Bristol Bay$970,800
Denali$970,800
Dillingham$970,800
Fairbanks North Star$970,800
Haines$970,800
Hoonah Angoon$970,800
Juneau$970,800
Kenai Peninsula$970,800
Ketchikan Gateway$970,800
Kodiak Island$970,800
Kusilvak$970,800
Lake And Peninsula$970,800
Matanuska Susitna$970,800
Nome$970,800
North Slope$970,800
Northwest Arctic$970,800
Petersburg$970,800
Prince Of Wales Hyder$970,800
Sitka$970,800
Skagway$970,800
Southeast Fairbanks$970,800
Valdez Cordova$970,800
Wrangell$970,800
Yakutat$970,800
Yukon Koyukuk$970,800
All other areas$647,200
Arizona
All areas$647,200
Arkansas
All areas$647,200
California
Alameda$970,800
Contra Costa$970,800
El Dorado$675,050
Los Angeles$970,800
Marin$970,800
Monterey$854,450
Napa$897,000
Orange$970,800
Placer$675,050
Sacramento$675,050
San Benito$970,800
San Diego$879,750
San Francisco$970,800
San Luis Obispo$805,000
San Mateo$970,800
Santa Barbara$783,150
Santa Clara$970,800
Santa Cruz$970,800
Sonoma$764,750
Ventura$851,000
Yolo$675,050
All other areas$647,200
Colorado
Adams$684,250
Arapahoe$684,250
Boulder$747,500
Broomfield$684,250
Clear Creek$684,250
Denver$684,250
Douglas$684,250
Eagle$862,500
Elbert$684,250
Garfield$856,750
Gilpin$684,250
Jefferson$684,250
Park$684,250
Pitkin$856,750
Routt$678,500
San Miguel$756,700
Summit$822,375
All other areas$647,200
Connecticut
Fairfield$695,750
All other areas$647,200
Delaware
All areas$647,200
Florida
Monroe$710,700
All other areas$647,200
Georgia
All areas$647,200
Hawaii
Hawaii$970,800
Honolulu$970,800
Kalawao$970,800
Kauai$970,800
Maui$970,800
Idaho
Blaine$648,600
Camas$648,600
Teton$970,800
All other areas$647,200
Illinois
All areas$647,200
Indiana
All areas$647,200
Iowa
All areas$647,200
Kansas
All areas$647,200
Kentucky
All areas$647,200
Louisiana
All areas$647,200
Maine
All areas$647,200
Maryland
Calvert$970,800
Charles$970,800
Frederick$970,800
Montgomery$970,800
Prince Georges$970,800
All other areas$647,200
Massachusetts
Dukes$970,800
Essex$770,500
Middlesex$770,500
Nantucket$970,800
Norfolk$770,500
Plymouth$770,500
Suffolk$770,500
All other areas$647,200
Michigan
All areas$647,200
Minnesota
All areas$647,200
Mississippi
All areas$647,200
Missouri
All areas$647,200
Montana
All areas$647,200
Nebraska
All areas$647,200
Nevada
All areas$647,200
New Hampshire
Rockingham$770,500
Strafford$770,500
All other areas$647,200
New Jersey
Bergen$970,800
Essex$970,800
Hudson$970,800
Hunterdon$970,800
Middlesex$970,800
Monmouth$970,800
Morris$970,800
Ocean$970,800
Passaic$970,800
Somerset$970,800
Sussex$970,800
Union$970,800
All other areas$647,200
New Mexico
All areas$647,200
New York
Bronx$970,800
Dutchess$726,525
Kings$970,800
Nassau$970,800
New York$970,800
Orange$726,525
Putnam$970,800
Queens$970,800
Richmond$970,800
Rockland$970,800
Suffolk$970,800
Westchester$970,800
All other areas$647,200
North Carolina
All areas$647,200
North Dakota
All areas$647,200
Ohio
All areas$647,200
Oklahoma
All areas$647,200
Oregon
All areas$647,200
Pennsylvania
Pike$970,800
All other areas$647,200
Rhode Island
All areas$647,200
South Carolina
All areas$647,200
South Dakota
All areas$647,200
Tennessee
Cannon$694,600
Cheatham$694,600
Davidson$694,600
Dickson$694,600
Macon$694,600
Maury$694,600
Robertson$694,600
Rutherford$694,600
Smith$694,600
Sumner$694,600
Trousdale$694,600
Williamson$694,600
Wilson$694,600
All other areas$647,200
Texas
All areas$647,200
Utah
Summit$970,800
Wasatch$970,800
All other areas$647,200
Vermont
All areas$647,200
Virginia
Alexandria City$970,800
Arlington$970,800
Clarke$970,800
Culpeper$970,800
Fairfax$970,800
Fairfax City$970,800
Falls Church City$970,800
Fauquier$970,800
Fredericksburg City$970,800
Loudoun$970,800
Madison$970,800
Manassas City$970,800
Manassas Park City$970,800
Prince William$970,800
Rappahannock$970,800
Spotsylvania$970,800
Stafford$970,800
Warren$970,800
All other areas$647,200
Washington
King$891,250
Pierce$891,250
Snohomish$891,250
All other areas$647,200
West Virginia
Jefferson$970,800
All other areas$647,200
Wisconsin
All areas$647,200
Wyoming
Teton$970,800
All other areas$647,200
District Of Columbia
District Of Columbia$970,800
Guam$970,800
All other areas$647,200
Saint Croix$970,800
Saint John$970,800
Saint Thomas$970,800
All other areas$647,200