VA Loan Limits

No VA loan limit on how much you can borrow to buy a home

Know your VA loan limits before you put in your offer
There is no limit on how much a veteran can borrow to buy a home, however if you exceed the guarantee limits below you may be required to make a down payment. While there is no limit on VA loan amounts there is a limit to how much guarantee (insurance) the VA will give the lender for the loan. Any loan over $144,000 is guaranteed for 25% of the loan amount. The VA is actually only guaranteeing a part of the loan, not the whole loan.

Get started today with a realtor that can help you find your dream home and knows how to work with your VA home loan.

Higher cost of living affects the loan limit

Across the nation there are certain counties that have a higher cost of living and are considered a “high-cost county.” The VA has adjusted the maximum guarantee for those counties below. While there is no maximum loan amount there is a maximum guarantee. You can take the dallar ($) amounts below and calculate that the VA will guarantee 25% of the number shown for the lender. For example, Orange County, California has a limit of $621,000 so the 25% VA guarantee (insurance) to the lender is $155,250, but a veteran could still borrow $1,000,000 or more to buy a home, but may be required to make a down payment because the loan is exceeding the guaranty limits. If the loan was for $621,000 or less, a down payment would not be required. The figures below are just used to calculate guarantee amounts, not max loan amounts. Below are the VA loan limits for 2013.

NOTE: For all counties other than those listed below, the 2013 limit is $417,000.

You can download the 2013 VA COUNTY LOAN GUARANTY LIMITS FOR HIGH-COST COUNTIES or explore the data below.

2013 VA COUNTY LOAN GUARANTY LIMITS FOR HIGH-COST COUNTIES
If you do not see your county under your state your county will have a maximum limit of $417,000.
STATE COUNTY 2013 VA LIMIT
Alabama ALL COUNTIES $417,000
Alaska ALEUTIANS EAST $625,500
Alaska ALEUTIANS WEST $625,500
Alaska ANCHORAGE $625,500
Alaska BETHEL $625,500
Alaska BRISTOL BAY $625,500
Alaska DENALI $625,500
Alaska DILLINGHAM $625,500
Alaska FAIRBANKS NORTH $625,500
Alaska HAINES $625,500
Alaska HOONAH-ANGOON $625,500
Alaska JUNEAU $625,500
Alaska KENAI PENINSULA $625,500
Alaska KETCHIKAN GATEWAY $625,500
Alaska KODIAK ISLAND $625,500
Alaska LAKE AND PENINSULA $625,500
Alaska MATANUSKA-SUSITNA $625,500
Alaska NOME $625,500
Alaska NORTH SLOPE $625,500
Alaska NORTHWEST ARCTIC $625,500
Alaska PETERSBURG $625,500
Alaska PRINCE OF WALES-HYDER $625,500
Alaska SITKA $625,500
Alaska SKAGWAY MUNICIPALITY $625,500
Alaska SOUTHEAST FAIRBANKS $625,500
Alaska VALDEZ-CORDOVA $625,500
Alaska WADE HAMPTON $625,500
Alaska WRANGELL CITY/BOROUGH $625,500
Alaska YAKUTAT CITY $625,500
Alaska YUKON-KOYUKUK $625,500
American Samoa ALL COUNTIES $417,000
Arizona ALL COUNTIES $417,000
Arkansas ALL COUNTIES $417,000
California ALAMEDA $625,500
California CONTRA COSTA $987,500
California LOS ANGELES $668,750
California MARIN $987,500
California NAPA $521,250
California ORANGE $668,750
California SAN BENITO $823,750
California SAN DIEGO $500,000
California SAN FRANCISCO $987,500
California SAN LUIS OBISPO $481,250
California SAN MATEO $987,500
California SANTA BARBARA $593,750
California SANTA CLARA $823,750
California SANTA CRUZ $668,750
California SONOMA $448,750
California VENTURA $546,250
Colorado EAGLE $712,500
Colorado LAKE $712,500
Colorado PITKIN $1,094,625
Colorado ROUTT $550,000
Colorado SAN MIGUEL $1,094,625
Colorado SUMMIT $667,500
Connecticut FAIRFIELD $612,500
DC DISTRICT OF COLUMBIA $843,750
Florida ALL COUNTIES $417,000
Georgia ALL COUNTIES $417,000
Guam GUAM $625,500
Hawaii HAWAII $625,500
Hawaii HONOLULU $750,000
Hawaii KALAWAO $625,500
Hawaii KAUAI $625,500
Hawaii MAUI $625,500
Idaho TETON $635,000
Illinois ALL COUNTIES $417,000
Indiana ALL COUNTIES $417,000
Iowa ALL COUNTIES $417,000
Kansas ALL COUNTIES $417,000
Kentucky ALL COUNTIES $417,000
Louisiana ALL PARISHES $417,000
Maine ALL COUNTIES $417,000
Maryland ANNE ARUNDEL $500,000
Maryland BALTIMORE $500,000
Maryland BALTIMORE CITY $500,000
Maryland CALVERT $843,750
Maryland CARROLL $500,000
Maryland CHARLES $843,750
Maryland FREDERICK $843,750
Maryland HARFORD $500,000
Maryland HOWARD $500,000
Maryland MONTGOMERY $843,750
Maryland PRINCE GEORGE’S $843,750
Maryland QUEEN ANNE’S $500,000
Massachusetts DUKES $723,750
Massachusetts ESSEX $500,000
Massachusetts MIDDLESEX $500,000
Massachusetts NANTUCKET $1,094,625
Massachusetts NORFOLK $500,000
Massachusetts PLYMOUTH $500,000
Massachusetts SUFFOLK $500,000
Michigan ALL COUNTIES $417,000
Minnesota ALL COUNTIES $417,000
Mississippi ALL COUNTIES $417,000
Missouri ALL COUNTIES $417,000
Montana ALL COUNTIES $417,000
Nebraska ALL COUNTIES $417,000
Nevada ALL COUNTIES $417,000
New Hampshire ROCKINGHAM $500,000
New Hampshire STRAFFORD $500,000
New Jersey BERGEN $722,500
New Jersey ESSEX $722,500
New Jersey HUDSON $722,500
New Jersey HUNTERDON $722,500
New Jersey MIDDLESEX $722,500
New Jersey MONMOUTH $722,500
New Jersey MORRIS $722,500
New Jersey OCEAN $722,500
New Jersey PASSAIC $722,500
New Jersey SOMERSET $722,500
New Jersey SUSSEX $722,500
New Jersey UNION $722,500
New Mexico ALL COUNTIES $417,000
New York BRONX $722,500
New York KINGS $722,500
New York NASSAU $722,500
New York NEW YORK $722,500
New York PUTNAM $722,500
New York QUEENS $722,500
New York RICHMOND $722,500
New York ROCKLAND $722,500
New York SUFFOLK $722,500
New York WESTCHESTER $722,500
North Carolina ALL COUNTIES $417,000
North Dakota ALL COUNTIES $417,000
Northern Mariana Islands ALL AREAS $417,000
Ohio ALL COUNTIES $417,000
Oklahoma ALL COUNTIES $417,000
Oregon ALL COUNTIES $417,000
Pennsylvania PIKE $722,500
Puerto Rico ALL COUNTIES $417,000
Rhode Island ALL COUNTIES $417,000
South Carolina ALL COUNTIES $417,000
South Dakota ALL COUNTIES $417,000
Tennessee ALL COUNTIES $417,000
Texas ALL COUNTIES $417,000
Utah SALT LAKE $594,550
Utah SUMMIT $594,550
Utah TOOELE $594,550
Vermont ALL COUNTIES $417,000
Virginia ALEXANDRIA $843,750
Virginia ARLINGTON $843,750
Virginia CLARKE $843,750
Virginia FAIRFAX $843,750
Virginia FAIRFAX IND $843,750
Virginia FALLS CHURCH $843,750
Virginia FAUQUIER $843,750
Virginia FREDERICKSBURG $843,750
Virginia LOUDOUN $843,750
Virginia MANASSAS $843,750
Virginia MANASSAS PARK $843,750
Virginia PRINCE WILLIAM $843,750
Virginia SPOTSYLVANIA $843,750
Virginia STAFFORD $843,750
Virginia WARREN $843,750
Virgin Islands ST. CROIX $625,500
Virgin Islands ST. JOHN $630,000
Virgin Islands ST. THOMAS $625,500
Washington KING $500,000
Washington PIERCE $500,000
Washington SAN JUAN $468,750
Washington SNOHOMISH $500,000
West Virginia JEFFERSON $843,750
Wisconsin ALL COUNTIES $417,000
Wyoming TETON $635,000

Get started today with a realtor that can help you find your dream home and knows how to work with your VA home loan.

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