{"id":8492,"date":"2026-08-20T10:54:00","date_gmt":"2026-08-20T15:54:00","guid":{"rendered":"https:\/\/tomo.com\/blog\/?p=8492"},"modified":"2026-08-21T08:33:17","modified_gmt":"2026-08-21T13:33:17","slug":"va-loan-limits-by-state","status":"publish","type":"post","link":"https:\/\/tomo.com\/blog\/va-loan-limits-by-state\/","title":{"rendered":"VA Loan Limits by State and County: 2026"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Veterans with full VA loan <a href=\"https:\/\/tomo.com\/blog\/who-can-get-in-on-a-va-loan\/\" title=\"Who Qualifies for a VA Loan? Eligibility Requirements Explained\">entitlement<\/a> have had no VA-imposed loan limit at all since January 1, 2020, under the Blue Water Navy Vietnam Veterans Act. The &#8220;VA loan limit&#8221; that most people are actually asking about only applies to veterans with partial entitlement, a prior <a href=\"https:\/\/tomo.com\/mortgage\/products\/va\" title=\"Tomo Mortgage VA loans\">VA loan<\/a> still outstanding or a prior foreclosure, and for 2026 that limit equals the county-level conforming loan limit set by the Federal Housing Finance Agency (FHFA): $832,750 in most counties, up to $1,249,125 in most high-cost counties, and as high as $1,299,500 in Hawaii&#8217;s priciest counties.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Quick Answer:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Full-entitlement veterans have no VA-imposed loan limit since 2020. The limit concept only applies to partial-entitlement borrowers.<\/li>\n\n\n\n<li>For partial entitlement, the 2026 baseline county limit is $832,750 for most of the country.<\/li>\n\n\n\n<li>High-cost counties run up to $1,249,125 under the standard formula, with two Hawaii counties, Maui and Kalawao, even higher at $1,299,500, the actual national maximum for 2026.<\/li>\n\n\n\n<li>VA loan limits are set equal to FHFA&#8217;s conforming loan limits by design, per VA&#8217;s own guidance, there&#8217;s no separate VA number to look up.<\/li>\n\n\n\n<li>Full-entitlement veterans can still exceed these figures with $0 down in many cases; lender overlays vary, so confirm your specific lender&#8217;s policy.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div style=\"background: #ddf5f4; padding: 24px 28px; margin: 32px 0; border-radius: 8px;\">\n  \n  <p style=\"font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 600; font-size: 22px; color: #1a1a1a; margin: 0 0 12px 0; line-height: 1.3; text-align: left;\">\n    Ready to experience a different kind of lender?\n  <\/p>\n  \n  <p style=\"font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 400; font-size: 16px; color: #2d2d2d; margin: 0 0 20px 0; line-height: 1.5; text-align: left;\">\n    Tomo was built without lender fees, which means our team&#8217;s success is measured by your closing. If you value transparent pricing and a stremlined digital experience, Tomo Mortgage was built for you.\n  <\/p>\n  \n  <a href=\"https:\/\/tomo.com\/mortgage\/app\/preapproval\" style=\"font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 600; display: inline-block; background: #fb7564; color: #ffffff; font-size: 16px; padding: 14px 28px; border-radius: 6px; text-decoration: none; text-align: left;\">\n    Get Started \u2192\n  <\/a>\n  \n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Do VA Loans Have a Maximum Amount?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Not for most veterans, and this is the most misunderstood part of VA loan limits. Before 2020, every <a href=\"https:\/\/tomo.com\/blog\/what-is-a-va-loan\/\" title=\"What is a VA loan?\">VA loan<\/a> was subject to a county-based cap. The <a href=\"https:\/\/www.va.gov\/housing-assistance\/home-loans\/loan-limits\/\">Blue Water Navy Vietnam Veterans Act<\/a>, effective January 1, 2020, eliminated that cap entirely for veterans with full entitlement, meaning a veteran who has never <a href=\"https:\/\/tomo.com\/blog\/how-many-veterans-use-va-loans\/\" title=\"How Many Veterans Use VA Loan Benefits?\">used a VA loan<\/a>, or who has fully restored their entitlement, can borrow as much as a lender is willing to approve with $0 down, as long as they can afford the payment and the appraisal supports the purchase price.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The loan limit concept still matters for one group: veterans with partial entitlement, meaning they have a prior VA loan still outstanding, or they defaulted or foreclosed on a VA loan in the past and that entitlement hasn&#8217;t been restored. For those borrowers, per <a href=\"https:\/\/www.va.gov\/housing-assistance\/home-loans\/loan-limits\/\">VA&#8217;s own guidance<\/a>, &#8220;VA home loan limits are the same as the Federal Housing Finance Agency (FHFA) limits.&#8221; There&#8217;s no separate VA number, VA simply points to the FHFA county-level conforming loan limit and uses the One-Unit Limit for that county.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/tomo.com\/mortgage\/rates\">Check Today&#8217;s VA Loan Rates<\/a><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2026 VA Loan Limits by State<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For 2026, <a href=\"https:\/\/www.fhfa.gov\/news\/news-release\/fhfa-announces-conforming-loan-limit-values-for-2026\">FHFA&#8217;s conforming loan limit<\/a> for one-unit properties is $832,750 in most U.S. counties, an increase of $26,250 from 2025. Counties where local home values run high enough get a higher limit, up to a $1,249,125 ceiling under the standard formula, that&#8217;s 150% of the baseline. Alaska, Hawaii, Guam, and the U.S. Virgin Islands work differently: their limits start at $1,249,125 as a floor and can run higher still. For 2026, the highest county-level limit in the country is $1,299,500, in Hawaii&#8217;s Maui and Kalawao counties.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>Area<\/strong><\/th><th><strong>2026 One-Unit Limit<\/strong><\/th><th><strong>Notes<\/strong><\/th><\/tr><\/thead><tbody><tr><td>Most U.S. counties<\/td><td>$832,750<\/td><td>The baseline limit, applies to the large majority of counties nationwide<\/td><\/tr><tr><td>Summit County, UT<\/td><td>$1,150,000<\/td><td>Example of a mid-range high-cost county<\/td><\/tr><tr><td>Summit County, CO<\/td><td>$1,092,500<\/td><td>Another mid-range example, limits scale with local home values<\/td><\/tr><tr><td>New York County &amp; Kings County, NY<\/td><td>$1,209,750<\/td><td>Manhattan and Brooklyn, near but below the standard ceiling<\/td><\/tr><tr><td>Pitkin County, CO<\/td><td>$1,209,750<\/td><td>Aspen area, near but below the standard ceiling<\/td><\/tr><tr><td>Los Angeles, Orange, San Francisco &amp; Santa Clara counties, CA<\/td><td>$1,249,125<\/td><td>At the standard high-cost ceiling<\/td><\/tr><tr><td>Washington, D.C.; Arlington, Fairfax &amp; Alexandria, VA; Montgomery &amp; Prince George&#8217;s counties, MD<\/td><td>$1,249,125<\/td><td>D.C.-metro area, at the standard ceiling<\/td><\/tr><tr><td>Anchorage, Fairbanks, Juneau &amp; Kodiak, AK; Honolulu &amp; Kauai counties, HI<\/td><td>$1,249,125<\/td><td>At the special statutory floor for AK\/HI<\/td><\/tr><tr><td>Maui &amp; Kalawao counties, HI<\/td><td>$1,299,500<\/td><td>The highest county-level limit in the country for 2026<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Source: <a href=\"https:\/\/www.fhfa.gov\/document\/d\/cll\/fullcountyloanlimitlist2026_hera-based_final_flat.xlsx\">FHFA 2026 county loan limit file<\/a>. Check your specific county on <a href=\"https:\/\/www.fhfa.gov\/data\/conforming-loan-limit\">FHFA&#8217;s lookup tool<\/a> since limits are set county by county, not state by state, and can vary meaningfully within a single state.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/tomo.com\/mortgage\/interest-rates-today\">Compare VA Lenders Today With TrueRate<\/a><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How Partial Entitlement Bonus Math Actually Works<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is where the county limit becomes relevant in practice. If you have partial entitlement, per <a href=\"https:\/\/www.va.gov\/housing-assistance\/home-loans\/loan-limits\/\">VA&#8217;s own worked example<\/a>, your remaining bonus entitlement equals your county&#8217;s one-unit loan limit multiplied by 25%, minus whatever entitlement you&#8217;ve already used. Say your county limit is $1,000,000 and your COE shows $50,000 in entitlement already charged: $1,000,000 x 0.25 = $250,000, minus $50,000 already used, leaves $200,000 in remaining bonus entitlement. Most lenders will let you borrow up to four times your remaining bonus entitlement without a down payment, in this example, $200,000 x 4 = $800,000. Beyond that, you&#8217;d need a down payment to cover the gap. See <a href=\"https:\/\/tomo.com\/blog\/can-you-use-va-loan-more-than-once\/\">Can I Use a VA Loan More Than Once?<\/a> for the full mechanics of restoring and reusing entitlement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What About Jumbo VA Loans?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Full-entitlement veterans aren&#8217;t capped by the county limit or the high-cost ceiling at all, which means a $2 million purchase with $0 down is possible on paper for a well-qualified borrower, VA guarantees 25% of the loan either way. In practice, individual lenders set their own maximum loan amount and underwriting overlays above the conforming ceiling, since VA&#8217;s guaranty doesn&#8217;t scale infinitely with loan size the way it does within conforming limits. Ask your loan advisor directly about the specific ceiling for your situation rather than assuming any published figure applies loan-for-loan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/tomo.com\/mortgage\/app\/preapproval\">Start Your VA Loan Application<\/a><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Frequently Asked Questions (FAQs)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Is there a maximum amount I can borrow with a VA loan?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Not for veterans with full entitlement, there&#8217;s been no VA-imposed loan limit since 2020. Veterans with partial entitlement are still tied to their county&#8217;s conforming loan limit, which ranges from $832,750 to $1,299,500 in 2026 depending on location.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What is the VA loan limit in my state?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">VA loan limits are set by county, not by state, and they&#8217;re identical to FHFA&#8217;s conforming loan limit values. Most counties sit at the $832,750 baseline for 2026; high-cost counties run higher, up to $1,299,500 in parts of Hawaii. Check your specific county on FHFA&#8217;s lookup tool.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Do VA loan limits apply if I have full entitlement?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">No. Since the Blue Water Navy Vietnam Veterans Act took effect on January 1, 2020, veterans with full entitlement have no VA-imposed loan limit, as long as they qualify with their lender and the property appraisal supports the purchase price.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div style=\"background: #ddf5f4; padding: 24px 28px; margin: 32px 0; border-radius: 8px;\">\n  \n  <p style=\"font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 600; font-size: 22px; color: #1a1a1a; margin: 0 0 12px 0; line-height: 1.3; text-align: left;\">\n    Ready to experience a different kind of lender?\n  <\/p>\n  \n  <p style=\"font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 400; font-size: 16px; color: #2d2d2d; margin: 0 0 20px 0; line-height: 1.5; text-align: left;\">\n    Tomo was built without lender fees, which means our team&#8217;s success is measured by your closing. If you value transparent pricing and a stremlined digital experience, Tomo Mortgage was built for you.\n  <\/p>\n  \n  <a href=\"https:\/\/tomo.com\/mortgage\/app\/preapproval\" style=\"font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 600; display: inline-block; background: #fb7564; color: #ffffff; font-size: 16px; padding: 14px 28px; border-radius: 6px; text-decoration: none; text-align: left;\">\n    Get Started \u2192\n  <\/a>\n  \n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Veterans with full VA loan entitlement have had no VA-imposed loan limit at all since January 1, 2020, under the Blue Water Navy Vietnam Veterans Act. The &#8220;VA loan limit&#8221; that most people are actually asking about only applies to veterans with partial entitlement, a prior VA loan still outstanding or a prior foreclosure, and [&hellip;]<\/p>\n","protected":false},"author":49,"featured_media":4691,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"fifu_image_url":"","fifu_image_alt":"","_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[282],"tags":[298,327],"class_list":["post-8492","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-research-analysis","tag-homebuying","tag-va-loan"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.10 - aioseo.com -->\n\t<meta name=\"description\" content=\"Veterans with full entitlement have no VA loan limit. For partial entitlement, 2026 county limits run $832,750 to $1,249,125, even higher in Hawaii.\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"author\" content=\"George Paul\"\/>\n\t<link rel=\"canonical\" href=\"https:\/\/tomo.com\/blog\/va-loan-limits-by-state\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 4.9.10\" \/>\n\t\t<meta property=\"og:locale\" content=\"en_US\" \/>\n\t\t<meta property=\"og:site_name\" content=\"Tomo Mortgage | Reports - Tomo Reports - Mortgage Tips &amp; Real Estate Trends\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"VA Loan Limits by State and County: 2026 Data\" \/>\n\t\t<meta property=\"og:description\" content=\"Veterans with full entitlement have no VA loan limit. 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