A VA loan limit is a cap on how much a homebuyer can borrow without needing a down payment. However, thanks to the Blue Water Navy Vietnam Veterans Act of 2019, VA loan limits do not apply to eligible VA borrowers with full VA loan entitlement.
VA loan limits only apply to those with partial entitlement. Often that could mean the Veteran is buying a second property with a VA loan while they still own another home they originally acquired with a VA loan.
The loan limit is based on county home prices. In most of the U.S., the 2024 maximum conforming loan limit (CLL) for single-unit properties is $766,550. That’s up 5.5% from 2023 ($726,200). In high-cost areas, the loan limit sits at $1,149,825.
Have a question about VA loan limits? Contact a mortgage specialist here.
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2024 VA Loan Limits (Maximum Conforming Loan Limits)
| State | County | One-Unit Limit |
|---|---|---|
| N/A | All Other Counties | $766,550 |
| AK | Aleutians East Borough | $1,149,825 |
| AK | Aleutians West Census Area | $1,149,825 |
| AK | Anchorage Municipality | $1,149,825 |
| AK | Bethel Census Area | $1,149,825 |
| AK | Bristol Bay Borough | $1,149,825 |
| AK | Denali Borough | $1,149,825 |
| AK | Dillingham Census Area | $1,149,825 |
| AK | Fairbanks North Star Borough | $1,149,825 |
| AK | Haines Borough | $1,149,825 |
| AK | Hoonah-Angoon Census Area | $1,149,825 |
| AK | Juneau City and Borough | $1,149,825 |
| AK | Kenai Peninsula Borough | $1,149,825 |
| AK | Ketchikan Gateway Borough | $1,149,825 |
| AK | Kodiak Island Borough | $1,149,825 |
| AK | Kusilvak Census Area | $1,149,825 |
| AK | Lake And Peninsula Borough | $1,149,825 |
| AK | Matanuska-Susitna Borough | $1,149,825 |
| AK | Nome Census Area | $1,149,825 |
| AK | North Slope Borough | $1,149,825 |
| AK | Northwest Arctic Borough | $1,149,825 |
| AK | Petersburg Census Area | $1,149,825 |
| AK | Prince Of Wales-Hyder Census Area | $1,149,825 |
| AK | Sitka City and Borough | $1,149,825 |
| AK | Skagway Municipality | $1,149,825 |
| AK | Southeast Fairbanks Census Area | $1,149,825 |
| AK | Valdez-Cordova Census Area | $1,149,825 |
| AK | Wrangell City and Borough | $1,149,825 |
| AK | Yakutat City and Borough | $1,149,825 |
| AK | Yukon-Koyukuk Census Area | $1,149,825 |
| CA | Alameda County | $1,149,825 |
| CA | Contra Costa County | $1,149,825 |
| CA | Los Angeles County | $1,149,825 |
| CA | Marin County | $1,149,825 |
| CA | Monterey County | $920,000 |
| CA | Napa County | $1,017,750 |
| CA | Orange County | $1,149,825 |
| CA | San Benito County | $1,149,825 |
| CA | San Diego County | $1,006,250 |
| CA | San Francisco County | $1,149,825 |
| CA | San Luis Obispo County | $929,200 |
| CA | San Mateo County | $1,149,825 |
| CA | Santa Barbara County | $838,350 |
| CA | Santa Clara County | $1,149,825 |
| CA | Santa Cruz County | $1,149,825 |
| CA | Sonoma County | $877,450 |
| CA | Ventura County | $954,500 |
| CO | Adams County | $816,500 |
| CO | Arapahoe County | $816,500 |
| CO | Boulder County | $856,750 |
| CO | Broomfield County | $816,500 |
| CO | Clear Creek County | $816,500 |
| CO | Denver County | $816,500 |
| CO | Douglas County | $816,500 |
| CO | Eagle County | $1,149,825 |
| CO | Elbert County | $816,500 |
| CO | Garfield County | $1,149,825 |
| CO | Gilpin County | $816,500 |
| CO | Jefferson County | $816,500 |
| CO | Park County | $816,500 |
| CO | Pitkin County | $1,149,825 |
| CO | Routt County | $1,012,000 |
| CO | San Miguel County | $994,750 |
| CO | Summit County | $1,006,250 |
| DC | District Of Columbia | $1,149,825 |
| FL | Monroe County | $929,200 |
| GU | Guam | $1,149,825 |
| HI | Hawaii County | $1,149,825 |
| HI | Honolulu County | $1,149,825 |
| HI | Kalawao County | $1,149,825 |
| HI | Kauai County | $1,149,825 |
| HI | Maui County | $1,149,825 |
| ID | Teton County | $1,149,825 |
| MA | Dukes County | $1,149,825 |
| MA | Essex County | $862,500 |
| MA | Middlesex County | $862,500 |
| MA | Nantucket County | $1,149,825 |
| MA | Norfolk County | $862,500 |
| MA | Plymouth County | $862,500 |
| MA | Suffolk County | $862,500 |
| MD | Calvert County | $1,149,825 |
| MD | Charles County | $1,149,825 |
| MD | Frederick County | $1,149,825 |
| MD | Montgomery County | $1,149,825 |
| MD | Prince George's County | $1,149,825 |
| NH | Rockingham County | $862,500 |
| NH | Strafford County | $862,500 |
| NJ | Bergen County | $1,149,825 |
| NJ | Essex County | $1,149,825 |
| NJ | Hudson County | $1,149,825 |
| NJ | Hunterdon County | $1,149,825 |
| NJ | Middlesex County | $1,149,825 |
| NJ | Monmouth County | $1,149,825 |
| NJ | Morris County | $1,149,825 |
| NJ | Ocean County | $1,149,825 |
| NJ | Passaic County | $1,149,825 |
| NJ | Somerset County | $1,149,825 |
| NJ | Sussex County | $1,149,825 |
| NJ | Union County | $1,149,825 |
| NY | Bronx County | $1,149,825 |
| NY | Kings County | $1,149,825 |
| NY | Nassau County | $1,149,825 |
| NY | New York County | $1,149,825 |
| NY | Putnam County | $1,149,825 |
| NY | Queens County | $1,149,825 |
| NY | Richmond County | $1,149,825 |
| NY | Rockland County | $1,149,825 |
| NY | Suffolk County | $1,149,825 |
| NY | Westchester County | $1,149,825 |
| PA | Pike County | $1,149,825 |
| TN | Cannon County | $943,000 |
| TN | Cheatham County | $943,000 |
| TN | Davidson County | $943,000 |
| TN | Dickson County | $943,000 |
| TN | Macon County | $943,000 |
| TN | Maury County | $943,000 |
| TN | Robertson County | $943,000 |
| TN | Rutherford County | $943,000 |
| TN | Smith County | $943,000 |
| TN | Sumner County | $943,000 |
| TN | Trousdale County | $943,000 |
| TN | Williamson County | $943,000 |
| TN | Wilson County | $943,000 |
| UT | Summit County | $1,149,825 |
| UT | Wasatch County | $1,149,825 |
| VA | Alexandria City | $1,149,825 |
| VA | Arlington County | $1,149,825 |
| VA | Clarke County | $1,149,825 |
| VA | Culpeper County | $1,149,825 |
| VA | Fairfax City | $1,149,825 |
| VA | Fairfax County | $1,149,825 |
| VA | Falls Church City | $1,149,825 |
| VA | Fauquier County | $1,149,825 |
| VA | Fredericksburg City | $1,149,825 |
| VA | Loudoun County | $1,149,825 |
| VA | Madison County | $1,149,825 |
| VA | Manassas City | $1,149,825 |
| VA | Manassas Park City | $1,149,825 |
| VA | Prince William County | $1,149,825 |
| VA | Rappahannock County | $1,149,825 |
| VA | Spotsylvania County | $1,149,825 |
| VA | Stafford County | $1,149,825 |
| VA | Warren County | $1,149,825 |
| VI | St. Croix Island | $1,149,825 |
| VI | St. John Island | $1,149,825 |
| VI | St. Thomas Island | $1,149,825 |
| WA | King County | $977,500 |
| WA | Pierce County | $977,500 |
| WA | Snohomish County | $977,500 |
| WV | Jefferson County | $1,149,825 |
| WY | Teton County | $1,149,825 |
» MORE: Check your VA home loan eligibility with today's top lenders
Calculating Loan Amount With Loan Limits
If VA loan limits apply to you, below is a step-by-step process to figuring out how much your loan can be before putting money down.
- Use the chart above to find the VA loan limit for the county where you’re buying. If your county isn’t listed above, the amount is $766,550.
- Take the VA loan limit for that county, and multiply it by (.25) to find the maximum VA guarantee for that county.
- Figure out how much entitlement you’ve used by taking your original VA loan amount and multiplying it by (.25).
- Find your remaining entitlement by taking the maximum guarantee (from Point 2) and subtracting your entitlement used (from Point 3).
- Take your remaining entitlement and multiply it by 4. That will show how much you can borrow without a down payment.
VA Loan Limit Example
You took out a VA loan for $415,000 on your current home. You receive PCS orders and must move. Before you can sell your home, you arrive at your new location and want to buy a home. The new house is in Huntsville, AL, near Redstone Arsenal. Huntsville is in Madison County, AL, which has a loan limit of $766,550.
The basic calculation would look something like this:
- $766,550 x .25 = $191,637 maximum VA loan guarantee for the county
- $415,000 x .25 = $103,750 is the amount of entitlement used
- $191,637 – $103,750 = $87,887 in remaining entitlement
- $87,887 x 4 = $351,548
So, $351,548 is the largest amount you can borrow without making a down payment.
Note: In this example, you can get a larger VA loan; you would need to offset the difference of anything above the maximum amount with a down payment.
» MORE: See how your military service can get you into a home for $0 down
Getting A Loan Above the VA Loan Limit
It’s important to remember there is no max VA loan amount. However, as mentioned above, there is a limit to how much you can borrow without a down payment. Any loan above the county-specific limit is known as a VA jumbo loan. VA jumbo loans also have specific guidelines and rules.
Qualifying For a VA Jumbo Loan Above a County Limit
Depending on the lender’s requirements, like debt-to-income ratio, down payments, credit score, etc., you can get a VA jumbo loan. You’ll only be able to figure out how much you can borrow by talking with a specialist.
Alternative Loan Options For Veterans
Other alternative mortgage options are available, such as an FHA Loan, USDA Loan, or a conventional loan. Each of these options comes with its restrictions and guidelines.
» MORE: Check official requirements for a VA loan
How Often VA Loan Limits Change
VA loan limits are based on the conforming loan limits laid out by the Federal Housing Finance Agency (FHFA). The agency sets county limits based on home prices each year with new limits taking effect on January 1st. The loan limit is based on the closing date of the VA loan, so loans that close shortly after the new year will be subject to the latest loan limits even if the application began prior to the new year.
Regional Loan Center Info:
- Cleveland Department of Veterans Affairs
VA Regional Loan Center
1240 East Ninth Street
Cleveland, OH 44199 - Denver Department of Veterans Affairs
VA Regional Loan Center
155 Van Gordon Street
Lakewood, CO 80228 - Honolulu Department of Veterans Affairs
VA Regional Office
Loan Guaranty Division (26)
459 Patterson Rd.
Honolulu, HI 96819
* Not an RLC but can handle all Loan Guaranty matters for Hawaii. - Phoenix Department of Veterans Affairs
VA Regional Loan Center
3333 N. Central Avenue
Phoenix, AZ 85012-2402 - Roanoke Department of Veterans Affairs
VA Regional Loan Center
210 First Street
Roanoke, VA 24011 - St. Paul Department of Veterans Affairs
VA Regional Loan Center
1 Federal Drive, Ft. Snelling.
St. Paul, MN 55111 - St. Petersburg Department of Veterans Affairs
VA Regional Loan Center
9500 Bay Pines Blvd.
St. Petersburg, FL 33708
