2026 VA Loan Limit Calculator - Veterans Home Loan Limits

Calculate VA loan limits by zip code and county

2026 VA Loan Limits

VA Loan Limit Calculator

Calculate your VA loan limits instantly. Find out how much you can borrow with zero down payment based on your location.

2026 Updated Limits
All U.S. Counties
Payment Estimates

Calculate Your VA Loan Limit

Start typing zip code, city, or county name for suggestions

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Estimated purchase price of the home

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VA loans require $0 down payment

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Current average: 6.50% (adjust as needed)

Your Results Will Appear Here

Enter your zip code and home price above, then click "Calculate" to see your VA loan limits and estimated monthly payment.

Standard Limit
$832,750
High-Cost Up To
$1,249,125

Understanding VA Loan Limits for 2026

Standard Limit

Most counties have a standard conforming loan limit of $832,750 for 2026.

High-Cost Areas

High-cost counties can have limits up to $1,249,125 or more.

No Down Payment

VA loans require $0 down payment up to the county limit.

What Are VA Loan Limits?

VA loan limits determine the maximum amount you can borrow with a VA-guaranteed loan without making a down payment. These limits vary by county and are based on local housing costs.

For 2026, the standard conforming loan limit is $832,750 for most counties. High-cost areas can have significantly higher limits, with some reaching $1,249,125 or more.

Key Benefits

  • No down payment required up to the county limit
  • No private mortgage insurance (PMI) required
  • Competitive interest rates typically lower than conventional loans
  • Flexible credit requirements for qualified veterans
  • Reusable benefit for multiple home purchases

VA Funding Fee

  • First-time use: 2.15% of loan amount (0% down)
  • Subsequent use: 3.3% of loan amount (0% down)
  • With 5% down: 1.5% of loan amount
  • With 10%+ down: 1.25% of loan amount
  • Disabled veterans (10%+) are exempt from funding fee

Can I Borrow Above the Limit?

Yes! You can purchase a home that costs more than the VA loan limit. However, you'll need to make a down payment equal to 25% of the difference between the purchase price and the county limit.

Example: In a $832,750 limit county, if you want to buy a $900,000 home, you'd need a down payment of $16,812.50 (25% of $67,250 difference).

High-Cost Counties

High-cost counties have VA loan limits above the standard conforming limit of $832,750. These are typically located in areas with higher housing costs:

San Francisco Bay Area
Up to $1,249,125
New York City
Up to $1,249,125
Washington DC Metro
Up to $1,249,125
Hawaii
Up to $1,249,125
Seattle Metro
Up to $1,249,125
Boston Metro
Up to $1,249,125

Frequently Asked Questions

Who is eligible for a VA loan?

VA loans are available to active-duty service members, veterans, National Guard and Reserve members, and eligible surviving spouses. Eligibility depends on length and type of service.

Do VA loan limits apply if I have full entitlement?

If you have full VA entitlement and haven't used your benefit before, there's technically no limit on how much you can borrow with no down payment, subject to lender approval and your debt-to-income ratio.

Can I use my VA loan benefit multiple times?

Yes! Your VA loan benefit is reusable. Once you've paid off your previous VA loan and sold the property, your full entitlement is restored and can be used again.

What credit score do I need for a VA loan?

While the VA doesn't set a minimum credit score, most lenders require a credit score of at least 620. However, some lenders may work with lower scores depending on other factors.

Can I use a VA loan for an investment property?

No, VA loans are intended for primary residences only. However, you can purchase a multi-unit property (up to 4 units) and live in one unit while renting out the others.