2026 Limits
Understanding VA Loan Limits
Good News: No Limits for Most Veterans
As of 2020, Veterans with full entitlement (no existing VA loan) have no loan limit. You can purchase a home of any price without a down payment, subject to lender approval and ability to repay.
VA loan limits only apply to Veterans with remaining entitlement (those with an existing VA loan who haven't restored their benefit). Learn more about VA jumbo loans.
2026 Limits
2026 Standard VA Loan Limit
Standard County Limit
$832,750
Conforming loan limit for most U.S. counties in 2026
High-Cost County Limit
$1,249,125
Maximum limit in high-cost areas like CA, NY, HI
Look It Up
Check Your County's Limit
2026 VA Loan Limit Calculator
Find the maximum VA loan amount available in your county
Type to search counties - results will appear as you type
2026 VA Loan Limits:
- • 1 Unit: $832,750 (standard) / Up to $1,249,125 (high-cost)
- • 2 Units: $1,066,250 (standard) / Up to $1,548,975 (high-cost)
- • 3 Units: $1,288,800 (standard) / Up to $1,872,225 (high-cost)
- • 4 Units: $1,601,750 (standard) / Up to $2,326,875 (high-cost)
- • Updated annually based on housing market trends
Important: Full VA Entitlement
If you have full VA entitlement, there are no loan limits — your maximum loan amount is determined solely by your income, credit, and overall financial qualifications.
The loan limits shown here apply only to veterans or service members with remaining entitlement. These limits are used to determine the maximum loan amount eligible for 100% financing or whether a down payment may be required.
2026 Limits
High-Cost Counties (Sample)
These counties have loan limits higher than the standard $832,750 conforming limit:
| State | County | 2026 Limit |
|---|---|---|
| California | Los Angeles | $1,249,125 |
| California | San Francisco | $1,249,125 |
| California | Orange | $1,249,125 |
| New York | New York | $1,209,750 |
| Hawaii | Honolulu | $1,249,125 |
| Washington | King | $1,063,750 |
| Colorado | Boulder | $879,750 |
This is a sample of high-cost counties. For a full list available from the VA → Click Here
Know The Rules
When Do Loan Limits Apply?
No Limit Scenarios
- •First-time VA loan user with full entitlement
- •Previously used VA loan but paid off and restored entitlement
- •Sold previous VA-financed home and restored full entitlement
Limit May Apply
- •Currently have an existing VA loan and buying a second property
- •Buying a home that exceeds your remaining entitlement
Learn more about VA entitlement and how it affects loan limits.
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