Skip to Content

VA Loan Limits: Max Limits by County

VA Loans are available up to $548,250 in most areas, but can exceed $800,000 for single-family homes in high-cost counties. Use this tool to find your limit.

Published on January 7, 2021

Due to recent legislation, VA loan limits only apply to those with diminished VA loan entitlement. Diminished entitlement is typically the result of not paying off a prior VA loan.

For those bound to VA loan limits, know these aren't a cap on what you can borrow, only a cap on what you can borrow without a down payment.

With the 2021 increase, VA loan limits start at $548,250 but reach up to $822,375 for single-family homes in high-cost counties.

2021 Maximum VA Loan Limits

County Name State 1-Unit

Limit
2-Unit

Limit
3-Unit

Limit
4-Unit

Limit
Aleutians East Borough AK $822,375 $1,053,000 $1,272,750 $1,581,750
Aleutians West Census Area AK $822,375 $1,053,000 $1,272,750 $1,581,750
Anchorage Municipality AK $822,375 $1,053,000 $1,272,750 $1,581,750
Bethel Census Area AK $822,375 $1,053,000 $1,272,750 $1,581,750
Bristol Bay Borough AK $822,375 $1,053,000 $1,272,750 $1,581,750
Denali Borough AK $822,375 $1,053,000 $1,272,750 $1,581,750
Dillingham Census Area AK $822,375 $1,053,000 $1,272,750 $1,581,750
Fairbanks North Star Borough AK $822,375 $1,053,000 $1,272,750 $1,581,750
Haines Borough AK $822,375 $1,053,000 $1,272,750 $1,581,750
Hoonah-Angoon Census Area AK $822,375 $1,053,000 $1,272,750 $1,581,750
Juneau City And Borough AK $822,375 $1,053,000 $1,272,750 $1,581,750
Kenai Peninsula Borough AK $822,375 $1,053,000 $1,272,750 $1,581,750
Ketchikan Gateway Borough AK $822,375 $1,053,000 $1,272,750 $1,581,750
Kodiak Island Borough AK $822,375 $1,053,000 $1,272,750 $1,581,750
Kusilvak Census Area AK $822,375 $1,053,000 $1,272,750 $1,581,750
Lake And Peninsula Borough AK $822,375 $1,053,000 $1,272,750 $1,581,750
Matanuska-Susitna Borough AK $822,375 $1,053,000 $1,272,750 $1,581,750
Nome Census Area AK $822,375 $1,053,000 $1,272,750 $1,581,750
North Slope Borough AK $822,375 $1,053,000 $1,272,750 $1,581,750
Northwest Arctic Borough AK $822,375 $1,053,000 $1,272,750 $1,581,750
Petersburg Census Area AK $822,375 $1,053,000 $1,272,750 $1,581,750
Prince Of Wales-Hyder Census Area AK $822,375 $1,053,000 $1,272,750 $1,581,750
Sitka City And Borough AK $822,375 $1,053,000 $1,272,750 $1,581,750
Skagway Municipality AK $822,375 $1,053,000 $1,272,750 $1,581,750
Southeast Fairbanks Census Area AK $822,375 $1,053,000 $1,272,750 $1,581,750
Valdez-Cordova Census Area AK $822,375 $1,053,000 $1,272,750 $1,581,750
Wrangell City And Borough AK $822,375 $1,053,000 $1,272,750 $1,581,750
Yakutat City And Borough AK $822,375 $1,053,000 $1,272,750 $1,581,750
Yukon-Koyukuk Census Area AK $822,375 $1,053,000 $1,272,750 $1,581,750
Alameda County CA $822,375 $1,053,000 $1,272,750 $1,581,750
Contra Costa County CA $822,375 $1,053,000 $1,272,750 $1,581,750
Los Angeles County CA $822,375 $1,053,000 $1,272,750 $1,581,750
Marin County CA $822,375 $1,053,000 $1,272,750 $1,581,750
Orange County CA $822,375 $1,053,000 $1,272,750 $1,581,750
San Benito County CA $822,375 $1,053,000 $1,272,750 $1,581,750
San Francisco County CA $822,375 $1,053,000 $1,272,750 $1,581,750
San Mateo County CA $822,375 $1,053,000 $1,272,750 $1,581,750
Santa Clara County CA $822,375 $1,053,000 $1,272,750 $1,581,750
Santa Cruz County CA $822,375 $1,053,000 $1,272,750 $1,581,750
Napa County CA $816,500 $1,045,250 $1,263,500 $1,570,200
San Diego County CA $753,250 $964,300 $1,165,600 $1,448,600
Monterey County CA $739,450 $946,650 $1,144,250 $1,422,050
Ventura County CA $739,450 $946,650 $1,144,250 $1,422,050
Sonoma County CA $707,250 $905,400 $1,094,450 $1,360,100
San Luis Obispo County CA $701,500 $898,050 $1,085,550 $1,349,050
Santa Barbara County CA $660,100 $845,050 $1,021,450 $1,269,450
El Dorado County CA $598,000 $765,550 $925,350 $1,150,000
Placer County CA $598,000 $765,550 $925,350 $1,150,000
Sacramento County CA $598,000 $765,550 $925,350 $1,150,000
Yolo County CA $598,000 $765,550 $925,350 $1,150,000
Solano County CA $550,850 $705,200 $852,400 $1,059,350
Summit County CO $822,375 $1,053,000 $1,272,750 $1,581,750
Eagle County CO $822,250 $1,052,650 $1,272,400 $1,581,300
Garfield County CO $765,600 $980,325 $1,184,925 $1,472,550
Pitkin County CO $765,600 $980,325 $1,184,925 $1,472,550
Routt County CO $678,500 $868,600 $1,049,950 $1,304,850
Boulder County CO $654,350 $837,700 $1,012,550 $1,258,400
San Miguel County CO $649,750 $831,800 $1,005,450 $1,249,550
Lake County CO $625,500 $800,775 $967,950 $1,202,925
Adams County CO $596,850 $764,050 $923,600 $1,147,800
Arapahoe County CO $596,850 $764,050 $923,600 $1,147,800
Broomfield County CO $596,850 $764,050 $923,600 $1,147,800
Clear Creek County CO $596,850 $764,050 $923,600 $1,147,800
Denver County CO $596,850 $764,050 $923,600 $1,147,800
Douglas County CO $596,850 $764,050 $923,600 $1,147,800
Elbert County CO $596,850 $764,050 $923,600 $1,147,800
Gilpin County CO $596,850 $764,050 $923,600 $1,147,800
Jefferson County CO $596,850 $764,050 $923,600 $1,147,800
Park County CO $596,850 $764,050 $923,600 $1,147,800
Fairfield County CT $601,450 $769,950 $930,700 $1,156,650
District Of Columbia DC $822,375 $1,053,000 $1,272,750 $1,581,750
Monroe County FL $608,350 $778,800 $941,400 $1,169,900
Hawaii County HI $822,375 $1,053,000 $1,272,750 $1,581,750
Honolulu County HI $822,375 $1,053,000 $1,272,750 $1,581,750
Kalawao County HI $822,375 $1,053,000 $1,272,750 $1,581,750
Kauai County HI $822,375 $1,053,000 $1,272,750 $1,581,750
Maui County HI $822,375 $1,053,000 $1,272,750 $1,581,750
Teton County ID $822,375 $1,053,000 $1,272,750 $1,581,750
Blaine County ID $625,500 $800,775 $967,950 $1,202,925
Camas County ID $625,500 $800,775 $967,950 $1,202,925
Lincoln County ID $625,500 $800,775 $967,950 $1,202,925
Dukes County MA $822,375 $1,053,000 $1,272,750 $1,581,750
Nantucket County MA $822,375 $1,053,000 $1,272,750 $1,581,750
Essex County MA $724,500 $927,500 $1,121,150 $1,393,300
Middlesex County MA $724,500 $927,500 $1,121,150 $1,393,300
Norfolk County MA $724,500 $927,500 $1,121,150 $1,393,300
Plymouth County MA $724,500 $927,500 $1,121,150 $1,393,300
Suffolk County MA $724,500 $927,500 $1,121,150 $1,393,300
Calvert County MD $822,375 $1,053,000 $1,272,750 $1,581,750
Charles County MD $822,375 $1,053,000 $1,272,750 $1,581,750
Frederick County MD $822,375 $1,053,000 $1,272,750 $1,581,750
Montgomery County MD $822,375 $1,053,000 $1,272,750 $1,581,750
Prince George'S County MD $822,375 $1,053,000 $1,272,750 $1,581,750
Camden County NC $625,500 $800,775 $967,950 $1,202,925
Pasquotank County NC $625,500 $800,775 $967,950 $1,202,925
Perquimans County NC $625,500 $800,775 $967,950 $1,202,925
Rockingham County NH $724,500 $927,500 $1,121,150 $1,393,300
Strafford County NH $724,500 $927,500 $1,121,150 $1,393,300
Bergen County NJ $822,375 $1,053,000 $1,272,750 $1,581,750
Essex County NJ $822,375 $1,053,000 $1,272,750 $1,581,750
Hudson County NJ $822,375 $1,053,000 $1,272,750 $1,581,750
Hunterdon County NJ $822,375 $1,053,000 $1,272,750 $1,581,750
Middlesex County NJ $822,375 $1,053,000 $1,272,750 $1,581,750
Monmouth County NJ $822,375 $1,053,000 $1,272,750 $1,581,750
Morris County NJ $822,375 $1,053,000 $1,272,750 $1,581,750
Ocean County NJ $822,375 $1,053,000 $1,272,750 $1,581,750
Passaic County NJ $822,375 $1,053,000 $1,272,750 $1,581,750
Somerset County NJ $822,375 $1,053,000 $1,272,750 $1,581,750
Sussex County NJ $822,375 $1,053,000 $1,272,750 $1,581,750
Union County NJ $822,375 $1,053,000 $1,272,750 $1,581,750
Bronx County NY $822,375 $1,053,000 $1,272,750 $1,581,750
Kings County NY $822,375 $1,053,000 $1,272,750 $1,581,750
Nassau County NY $822,375 $1,053,000 $1,272,750 $1,581,750
New York County NY $822,375 $1,053,000 $1,272,750 $1,581,750
Putnam County NY $822,375 $1,053,000 $1,272,750 $1,581,750
Queens County NY $822,375 $1,053,000 $1,272,750 $1,581,750
Richmond County NY $822,375 $1,053,000 $1,272,750 $1,581,750
Rockland County NY $822,375 $1,053,000 $1,272,750 $1,581,750
Suffolk County NY $822,375 $1,053,000 $1,272,750 $1,581,750
Westchester County NY $822,375 $1,053,000 $1,272,750 $1,581,750
Dutchess County NY $726,525 $930,300 $1,124,475 $1,397,400
Orange County NY $726,525 $930,300 $1,124,475 $1,397,400
Pike County PA $822,375 $1,053,000 $1,272,750 $1,581,750
Cannon County TN $586,500 $750,800 $907,550 $1,127,900
Cheatham County TN $586,500 $750,800 $907,550 $1,127,900
Davidson County TN $586,500 $750,800 $907,550 $1,127,900
Dickson County TN $586,500 $750,800 $907,550 $1,127,900
Macon County TN $586,500 $750,800 $907,550 $1,127,900
Maury County TN $586,500 $750,800 $907,550 $1,127,900
Robertson County TN $586,500 $750,800 $907,550 $1,127,900
Rutherford County TN $586,500 $750,800 $907,550 $1,127,900
Smith County TN $586,500 $750,800 $907,550 $1,127,900
Sumner County TN $586,500 $750,800 $907,550 $1,127,900
Trousdale County TN $586,500 $750,800 $907,550 $1,127,900
Williamson County TN $586,500 $750,800 $907,550 $1,127,900
Wilson County TN $586,500 $750,800 $907,550 $1,127,900
Summit County UT $817,650 $1,046,750 $1,265,250 $1,572,450
Wasatch County UT $817,650 $1,046,750 $1,265,250 $1,572,450
Box Elder County UT $646,300 $827,400 $1,000,100 $1,242,900
Davis County UT $646,300 $827,400 $1,000,100 $1,242,900
Morgan County UT $646,300 $827,400 $1,000,100 $1,242,900
Weber County UT $646,300 $827,400 $1,000,100 $1,242,900
Salt Lake County UT $600,300 $768,500 $928,950 $1,154,450
Tooele County UT $600,300 $768,500 $928,950 $1,154,450
Arlington County VA $822,375 $1,053,000 $1,272,750 $1,581,750
Clarke County VA $822,375 $1,053,000 $1,272,750 $1,581,750
Culpeper County VA $822,375 $1,053,000 $1,272,750 $1,581,750
Fairfax County VA $822,375 $1,053,000 $1,272,750 $1,581,750
Fauquier County VA $822,375 $1,053,000 $1,272,750 $1,581,750
Loudoun County VA $822,375 $1,053,000 $1,272,750 $1,581,750
Madison County VA $822,375 $1,053,000 $1,272,750 $1,581,750
Prince William County VA $822,375 $1,053,000 $1,272,750 $1,581,750
Rappahannock County VA $822,375 $1,053,000 $1,272,750 $1,581,750
Spotsylvania County VA $822,375 $1,053,000 $1,272,750 $1,581,750
Stafford County VA $822,375 $1,053,000 $1,272,750 $1,581,750
Warren County VA $822,375 $1,053,000 $1,272,750 $1,581,750
Alexandria City VA $822,375 $1,053,000 $1,272,750 $1,581,750
Fairfax City VA $822,375 $1,053,000 $1,272,750 $1,581,750
Falls Church City VA $822,375 $1,053,000 $1,272,750 $1,581,750
Fredericksburg City VA $822,375 $1,053,000 $1,272,750 $1,581,750
Manassas City VA $822,375 $1,053,000 $1,272,750 $1,581,750
Manassas Park City VA $822,375 $1,053,000 $1,272,750 $1,581,750
King County WA $776,250 $993,750 $1,201,200 $1,492,800
Pierce County WA $776,250 $993,750 $1,201,200 $1,492,800
Snohomish County WA $776,250 $993,750 $1,201,200 $1,492,800
Jefferson County WV $822,375 $1,053,000 $1,272,750 $1,581,750
Teton County WY $822,375 $1,053,000 $1,272,750 $1,581,750