Updated January 2018
One of the more common questions that many Veterans have when getting a home loan concerns the VA loan limits in their areas. What are VA loan limits and how does it affect how much a homeowner can borrow for a refinance?
VA Loan Limits And The VA Guaranty Program
For those who are wondering about VA loan limits, the good news is that the VA doesn’t actually have VA loan limits by county like FHA loans do. That said, there are limits in some of the nation’s high-cost counties that are calculated by evaluating the conforming loan limit and the area’s median home price.
It is possible that a Veteran could get a VA loan for a loan amount up to and even beyond $453,100 depending if they live in a county determined to be a high-cost county by the VA.
Find a VA loan that fits your financing needs.
For the counties specified below, the VA has set particular maximum guaranty amounts. These limits are based on county median home values. All counties not shown below has a loan limit of $453,100.
Can I get a loan that is larger than the VA’s specified maximum?
Yes, you can. But you will most likely be required to make a down payment for the amount borrowed in excess of the applicable limit in whichever county you live in.
The maximum guaranty amount of loans that exceed $144,000 is 25 percent of the 2018 VA county loan limits. Borrowers who still hold full entitlement can borrow up to this amount and the department will guarantee 25 percent of the loan amount. If you are refinancing via the IRRRL program and have already used your entitlement previously which has not been restored, the maximum guaranty amount available to that Veteran must be reduced accordingly.
| STATE | COUNTY | 2018 VA LIMIT | Regional Loan Center |
| AK | ALEUTIANS EAST | $679,650 | DENVER |
| AK | ALEUTIANS WEST | $679,650 | DENVER |
| AK | ANCHORAGE | $679,650 | DENVER |
| AK | BETHEL | $679,650 | DENVER |
| AK | BRISTOL BAY | $679,650 | DENVER |
| AK | DENALI | $679,650 | DENVER |
| AK | DILLINGHAM | $679,650 | DENVER |
| AK | FAIRBANKS NORTH | $679,650 | DENVER |
| AK | HAINES | $679,650 | DENVER |
| AK | HOONAH-ANGOON | $679,650 | DENVER |
| AK | JUNEAU | $679,650 | DENVER |
| AK | KENAI PENINSULA | $679,650 | DENVER |
| AK | KETCHIKAN GATEWAY | $679,650 | DENVER |
| AK | KODIAK ISLAND | $679,650 | DENVER |
| AK | KUSILVAK CENSUS AREA | $679,650 | DENVER |
| AK | LAKE AND PENINSULA | $679,650 | DENVER |
| AK | MATANUSKA-SUSITNA | $679,650 | DENVER |
| AK | NOME | $679,650 | DENVER |
| AK | NORTH SLOPE | $679,650 | DENVER |
| AK | NORTHWEST ARCTIC | $679,650 | DENVER |
| AK | PETERSBURG CENSUS AREA | $679,650 | DENVER |
| AK | PRINCE OF WALES-HYDER | $679,650 | DENVER |
| AK | SITKA | $679,650 | DENVER |
| AK | SKAGWAY MUNICIPALITY | $679,650 | DENVER |
| AK | SOUTHEAST FAIRBANKS | $679,650 | DENVER |
| AK | VALDEZ-CORDOVA | $679,650 | DENVER |
| AK | WRANGELL CITY/BOROUGH | $679,650 | DENVER |
| AK | YAKUTAT CITY | $679,650 | DENVER |
| AK | YUKON-KOYUKUK | $679,650 | DENVER |
| CA | ALAMEDA | $679,650 | PHOENIX |
| CA | ALPINE | $463,450 | PHOENIX |
| CA | CONTRA COSTA | $679,650 | PHOENIX |
| CA | EL DORADO | $517,500 | PHOENIX |
| CA | LOS ANGELES | $679,650 | PHOENIX |
| CA | MARIN | $679,650 | PHOENIX |
| CA | MONO | $529,000 | PHOENIX |
| CA | MONTEREY | $615,250 | PHOENIX |
| CA | NAPA | $679,650 | PHOENIX |
| CA | NEVADA | $477,250 | PHOENIX |
| CA | ORANGE | $679,650 | PHOENIX |
| CA | PLACER | $517,500 | PHOENIX |
| CA | SACRAMENTO | $517,500 | PHOENIX |
| CA | SAN BENITO | $679,650 | PHOENIX |
| CA | SAN DIEGO | $649,750 | PHOENIX |
| CA | SAN FRANCISCO | $679,650 | PHOENIX |
| CA | SAN LUIS OBISPO | $615,250 | PHOENIX |
| CA | SAN MATEO | $679,650 | PHOENIX |
| CA | SANTA BARBARA | $625,500 | PHOENIX |
| CA | SANTA CLARA | $679,650 | PHOENIX |
| CA | SANTA CRUZ | $679,650 | PHOENIX |
| CA | SOLANO | $460,000 | PHOENIX |
| CA | SONOMA | $648,600 | PHOENIX |
| CA | VENTURA | $672,750 | PHOENIX |
| CA | YOLO | $517,500 | PHOENIX |
| CO | ADAMS | $529,000 | DENVER |
| CO | ARAPAHOE | $529,000 | DENVER |
| CO | BOULDER | $578,450 | DENVER |
| CO | BROOMFIELD | $529,000 | DENVER |
| CO | CLEAR CREEK | $529,000 | DENVER |
| CO | DENVER | $529,000 | DENVER |
| CO | DOUGLAS | $529,000 | DENVER |
| CO | EAGLE | $636,150 | DENVER |
| CO | ELBERT | $529,000 | DENVER |
| CO | GARFIELD | $679,650 | DENVER |
| CO | GILPIN | $529,000 | DENVER |
| CO | JEFFERSON | $529,000 | DENVER |
| CO | LAKE | $625,500 | DENVER |
| CO | PARK | $529,000 | DENVER |
| CO | PITKIN | $679,650 | DENVER |
| CO | ROUTT | $625,500 | DENVER |
| CO | SAN MIGUEL | $625,500 | DENVER |
| CO | SUMMIT | $625,500 | DENVER |
| CT | FAIRFIELD | $601,450 | CLEVELAND |
| DC | DISTRICT OF COLUMBIA | $679,650 | ROANOKE |
| FL | MONROE | $529,000 | ST. PETERSBURG |
| GA | GREENE | $515,200 | ATLANTA |
| GU | GUAM | $679,650 | HONOLULU |
| HI | HAWAII | $679,650 | HONOLULU |
| HI | HONOLULU | $721,050 | HONOLULU |
| HI | KALAWAO | $679,650 | HONOLULU |
| HI | KAUAI | $713,000 | HONOLULU |
| HI | MAUI | $679,650 | HONOLULU |
| ID | BLAINE | $625,500 | DENVER |
| ID | CAMAS | $625,500 | DENVER |
| ID | LINCOLN | $625,500 | DENVER |
| ID | TETON | $679,650 | DENVER |
| MA | DUKES | $679,650 | CLEVELAND |
| MA | ESSEX | $603,750 | CLEVELAND |
| MA | MIDDLESEX | $603,750 | CLEVELAND |
| MA | NANTUCKET | $679,650 | CLEVELAND |
| MA | NORFOLK | $603,750 | CLEVELAND |
| MA | PLYMOUTH | $603,750 | CLEVELAND |
| MA | SUFFOLK | $603,750 | CLEVELAND |
| MD | ANNE ARUNDEL | $517,500 | ROANOKE |
| MD | BALTIMORE | $517,500 | ROANOKE |
| MD | BALTIMORE CITY | $517,500 | ROANOKE |
| MD | CALVERT | $679,650 | ROANOKE |
| MD | CARROLL | $517,500 | ROANOKE |
| MD | CHARLES | $679,650 | ROANOKE |
| MD | FREDERICK | $679,650 | ROANOKE |
| MD | HARFORD | $517,500 | ROANOKE |
| MD | HOWARD | $517,500 | ROANOKE |
| MD | MONTGOMERY | $679,650 | ROANOKE |
| MD | PRINCE GEORGE’S | $679,650 | ROANOKE |
| MD | QUEEN ANNE’S | $517,500 | ROANOKE |
| MP | NORTHERN ISLAND | $524,400 | HONOLULU |
| MP | SAIPAN | $529,000 | HONOLULU |
| MP | TINIAN | $532,450 | HONOLULU |
| NC | CAMDEN | $625,500 | ATLANTA |
| NC | CURRITUCK | $458,850 | ATLANTA |
| NC | GATES | $458,850 | ATLANTA |
| NC | HYDE | $483,000 | ATLANTA |
| NC | PASQUOTANK | $625,500 | ATLANTA |
| NC | PERQUIMANS | $625,500 | ATLANTA |
| NH | ROCKINGHAM | $603,750 | CLEVELAND |
| NH | STRAFFORD | $603,750 | CLEVELAND |
| NJ | BERGEN | $679,650 | CLEVELAND |
| NJ | ESSEX | $679,650 | CLEVELAND |
| NJ | HUDSON | $679,650 | CLEVELAND |
| NJ | HUNTERDON | $679,650 | CLEVELAND |
| NJ | MIDDLESEX | $679,650 | CLEVELAND |
| NJ | MONMOUTH | $679,650 | CLEVELAND |
| NJ | MORRIS | $679,650 | CLEVELAND |
| NJ | OCEAN | $679,650 | CLEVELAND |
| NJ | PASSAIC | $679,650 | CLEVELAND |
| NJ | SOMERSET | $679,650 | CLEVELAND |
| NJ | SUSSEX | $679,650 | CLEVELAND |
| NJ | UNION | $679,650 | CLEVELAND |
| NY | BRONX | $679,650 | CLEVELAND |
| NY | DUTCHESS | $679,650 | CLEVELAND |
| NY | KINGS | $679,650 | CLEVELAND |
| NY | NASSAU | $679,650 | CLEVELAND |
| NY | NEW YORK | $679,650 | CLEVELAND |
| NY | ORANGE | $679,650 | CLEVELAND |
| NY | PUTNAM | $679,650 | CLEVELAND |
| NY | QUEENS | $679,650 | CLEVELAND |
| NY | RICHMOND | $679,650 | CLEVELAND |
| NY | ROCKLAND | $679,650 | CLEVELAND |
| NY | SUFFOLK | $679,650 | CLEVELAND |
| NY | WESTCHESTER | $679,650 | CLEVELAND |
| OR | HOOD RIVER | $454,250 | DENVER |
| PA | PIKE | $679,650 | CLEVELAND |
| TN | CANNON | $494,500 | ROANOKE |
| TN | CHEATHAM | $494,500 | ROANOKE |
| TN | DAVIDSON | $494,500 | ROANOKE |
| TN | DICKSON | $494,500 | ROANOKE |
| TN | HICKMAN | $494,500 | ROANOKE |
| TN | MACON | $494,500 | ROANOKE |
| TN | MAURY | $494,500 | ROANOKE |
| TN | ROBERTSON | $494,500 | ROANOKE |
| TN | RUTHERFORD | $494,500 | ROANOKE |
| TN | SMITH | $494,500 | ROANOKE |
| TN | SUMNER | $494,500 | ROANOKE |
| TN | TROUSDALE | $494,500 | ROANOKE |
| TN | WILLIAMSON | $494,500 | ROANOKE |
| TN | WILSON | $494,500 | ROANOKE |
| UT | SALT LAKE | $600,300 | DENVER |
| UT | SUMMIT | $679,650 | DENVER |
| UT | TOOELE | $600,300 | DENVER |
| VA | ALEXANDRIA | $679,650 | ROANOKE |
| VA | AMELIA | $535,900 | ROANOKE |
| VA | ARLINGTON | $679,650 | ROANOKE |
| VA | CAROLINE | $535,900 | ROANOKE |
| VA | CHARLES CITY | $535,900 | ROANOKE |
| VA | CHESAPEAKE | $458,850 | ROANOKE |
| VA | CHESTERFIELD | $535,900 | ROANOKE |
| VA | CLARKE | $679,650 | ROANOKE |
| VA | COLONIAL HEIGHTS | $535,900 | ROANOKE |
| VA | CULPEPER | $679,650 | ROANOKE |
| VA | CUMBERLAND | $535,900 | ROANOKE |
| VA | DINWIDDIE | $535,900 | ROANOKE |
| VA | FAIRFAX | $679,650 | ROANOKE |
| VA | FAIRFAX INDEPENDENT CITY | $679,650 | ROANOKE |
| VA | FALLS CHURCH | $679,650 | ROANOKE |
| VA | FAUQUIER | $679,650 | ROANOKE |
| VA | FREDERICKSBURG | $679,650 | ROANOKE |
| VA | GLOUCESTER | $458,850 | ROANOKE |
| VA | GOOCHLAND | $535,900 | ROANOKE |
| VA | HAMPTON | $458,850 | ROANOKE |
| VA | HANOVER | $535,900 | ROANOKE |
| VA | HENRICO | $535,900 | ROANOKE |
| VA | HOPEWELL | $535,900 | ROANOKE |
| VA | ISLE OF WIGHT | $458,850 | ROANOKE |
| VA | JAMES CITY | $458,850 | ROANOKE |
| VA | KING AND QUEEN | $535,900 | ROANOKE |
| VA | KING WILLIAM | $535,900 | ROANOKE |
| VA | LOUDOUN | $679,650 | ROANOKE |
| VA | LOUISA | $535,900 | ROANOKE |
| VA | MANASSAS | $679,650 | ROANOKE |
| VA | MANASSAS PARK | $679,650 | ROANOKE |
| VA | MATHEWS | $458,850 | ROANOKE |
| VA | NEW KENT | $535,900 | ROANOKE |
| VA | NEWPORT NEWS | $458,850 | ROANOKE |
| VA | NORFOLK | $458,850 | ROANOKE |
| VA | PETERSBURG | $535,900 | ROANOKE |
| VA | POQUOSON | $458,850 | ROANOKE |
| VA | PORTSMOUTH | $458,850 | ROANOKE |
| VA | POWHATAN | $535,900 | ROANOKE |
| VA | PRINCE GEORGE | $535,900 | ROANOKE |
| VA | PRINCE WILLIAM | $679,650 | ROANOKE |
| VA | RAPPAHANNOCK | $679,650 | ROANOKE |
| VA | RICHMOND INDEPENDENT CITY | $535,900 | ROANOKE |
| VA | SPOTSYLVANIA | $679,650 | ROANOKE |
| VA | STAFFORD | $679,650 | ROANOKE |
| VA | SUFFOLK | $458,850 | ROANOKE |
| VA | SURRY | $458,850 | ROANOKE |
| VA | SUSSEX | $535,900 | ROANOKE |
| VA | VIRGINIA BEACH | $458,850 | ROANOKE |
| VA | WARREN | $679,650 | ROANOKE |
| VA | WILLIAMSBURG | $458,850 | ROANOKE |
| VA | YORK | $458,850 | ROANOKE |
| VI | ST. CROIX | $679,650 | ST. PETERSBURG |
| VI | ST. JOHN | $679,650 | ST. PETERSBURG |
| VI | ST. THOMAS | $679,650 | ST. PETERSBURG |
| WA | KING | $667,000 | DENVER |
| WA | PIERCE | $667,000 | DENVER |
| WA | SAN JUAN | $483,000 | DENVER |
| WA | SNOHOMISH | $667,000 | DENVER |
| WV | JEFFERSON | $679,650 | ROANOKE |
| WY | TETON | $679,650 | DENVER |
