2019 VA Loan Limits by County

VA Loan limits increased in 2019, only the second increase since 2006.

The new maximum loan guarantee is $484,350 in most counties, an increase of $31,250 from the previous loan limits. The loan limit is higher in some high-cost counties. These higher loan limits vary by region and are listed later in this article.

The VA Loan limits are the same as the conforming mortgage loan limits determined by the Federal Housing Finance Agency (FHFA), and the maximum limits for conforming mortgages acquired by Fannie Mae and Freddie Mac.

These new loan limits apply to all VA Loans closed after January 1, 2019.

Read through this article to get a full understanding of VA Loan limits, the maximum amount you can borrow without a down payment, which high-cost counties have higher limits, and other information you may need to know to secure a VA Loan.

5 Best VA Loan Lenders in 2019

Importance of the VA Loan Limits

The VA Loan limits aren’t necessarily a hard limit on how much house you can buy with a VA Loan. The limits only apply to the portion of the loan the VA will guarantee.

The limits also apply to how much money qualified buyers can borrow without making a downpayment. You can buy a more expensive home, but most lenders will require you to make a down payment to bring the borrowed amount in line with the guaranty limit.

In most counties, that limit is $484,350. But the limits in high-cost counties can go as high as $726,525 in high cost of living areas, such as some of the higher populated areas on both coasts and in some areas of Alaska and Hawaii.

VA Loan Limits & What Lenders Will Actually Lend

Most military members and veterans are eligible for a basic VA Loan entitlement, which amounts to $36,000. Lenders will normally allow veterans to borrow up to 4 times the basic entitlement ($144,000) without a down payment, provided they have the income and credit to qualify for the loan, and provided the property appraises for at least the purchase price. The VA will guaranty the full loan up to $144,000.

The maximum guaranty for VA loans over $144,000 is up to 25 percent of the county loan limit. The lowest county limit is $424,100. The high-cost county limits are listed in the table further down the article. The VA will guarantee loans up to 25 percent of the loan amount.

This means that if your home costs more than $144,000, the VA will only guaranty 25% of the loan, up to the $424,100 limit, or the limit for high-cost counties. The guaranty makes these types of loans more attractive to the lender, which in turn, may help the borrower obtain favorable loan rates.

How to Buy a House that Costs More than the Max VA Loan Guaranty

If you want to use the VA Loan to buy a house that costs more than $144,000, you may need to put make a down payment on the loan. The amount of the down payment will depend on your lender’s policies, the cost of your home, the amount you are borrowing, your income, credit profile, debt to income ratio, and other factors.

If you want to buy a home that costs more than the loan guaranty, you would need to make a downpayment, usually 25% of the amount above the VA Loan limit.

For example, if you want to buy a home that costs $584,350 in a county with a loan limit of $484,350, you would likely need to make a $25,000 downpayment (25% of $100,000, or the difference above the loan limit). This assumes you have the full remaining entitlement to your VA Loan. You may have to restore your VA Loan Entitlement if you have previously used your VA Loan.

Read about:   What Are the Focused Areas in California Veteran's Residence Mortgage Packages?

Larger down payment may be a good idea: You can always make a larger down payment if you have the available funds, and there are some benefits to doing so. For example, a larger down payment reduces your outstanding balance on your home, reduces your monthly payments, and reduces the amount of interest you pay over the life of the loan.

Additional Loan Costs to Consider: You still may need to come up with the VA loan funding fee, which the VA charges for guaranteeing your loan. However, some disabled veterans are eligible to have the funding fee waived. Alternatively, you can often roll the funding fee into your loan.

Why Use a VA Loan if Your Home Costs More than The VA Will Guarantee?

This is a great question and there are several good reasons to apply for a VA Loan. The first is that you may be able to buy a home with a lower downpayment than you would be able to buy with a conventional mortgage, unless you are willing to pay Private Mortgage Insurance (PMI) which may add a fairly substantial amount to your monthly payment.

Interest rates are another important factor in your decision. Because VA loans are guaranteed by the VA, they often have slightly lower interest rates than conventional loans (all things being equal, including credit score, income, assets, debt to income ratio, etc.).

That said, it pays to shop around. A mortgage is often the largest purchase you will ever make, and even a few decimal points on your interest rate can save you a substantial amount of money, or cost you thousands over the life of your loan.

If you are interested in finding the best interest rates, you can view our list of VA Loan providers to shop and compare interest rates.

VA Loan Limits

2019 VA Loan Limits for High-Cost Counties

Below is the table for VA Loan limits for 2019. The VA bases these amounts on the county median home values reported by the Federal Housing Administration.

NOTE: For all counties not listed below, the limit is $484,350. See below the table for the Regional Loan Center physical and mailing addresses and contact information.

State County or Area 2019 VA Limit Regional Loan Center
Alaska Aleutians East $726,525 Denver
Alaska Aleutians West $726,525 Denver
Alaska Anchorage $726,525 Denver
Alaska Bethel $726,525 Denver
Alaska Bristol Bay $726,525 Denver
Alaska Denali $726,525 Denver
Alaska Dillingham $726,525 Denver
Alaska Fairbanks North $726,525 Denver
Alaska Haines $726,525 Denver
Alaska Hoonah-Angoon $726,525 Denver
Alaska Juneau $726,525 Denver
Alaska Kenai Peninsula $726,525 Denver
Alaska Ketchikan Gateway $726,525 Denver
Alaska Kodiak Island $726,525 Denver
Alaska Kusilvak Census Area $726,525 Denver
Alaska Lake and Peninsula $726,525 Denver
Alaska Matanuska-Susitna $726,525 Denver
Alaska Nome $726,525 Denver
Alaska North Slope $726,525 Denver
Alaska Northwest Arctic $726,525 Denver
Alaska Petersburg Census Area $726,525 Denver
Alaska Prince of Wales $726,525 Denver
Alaska Sitka $726,525 Denver
Alaska Skagway Municipality $726,525 Denver
Alaska Southeast Fairbanks $726,525 Denver
Alaska Valdez-Cordova $726,525 Denver
Alaska Wrangell City Area $726,525 Denver
Alaska Yakutat City $726,525 Denver
Alaska Yukon-Koyukuk $726,525 Denver
California Alameda $726,525 Phoenix
California Contra Costa $726,525 Phoenix
California El Dorado $552,000 Phoenix
California Los Angeles $726,525 Phoenix
California Marin $726,525 Phoenix
California Mono $529,000 Phoenix
California Monterey $652,050 Phoenix
California Napa $726,525 Phoenix
California Nevada $486,450 Phoenix
California Orange $726,525 Phoenix
California Placer $552,000 Phoenix
California Sacramento $552,000 Phoenix
California San Benito $726,525 Phoenix
California San Diego $690,000 Phoenix
California San Francisco $726,525 Phoenix
California San Luis Obispo $667,000 Phoenix
California San Mateo $726,525 Phoenix
California Santa Barbara $625,500 Phoenix
California Santa Clara $726,525 Phoenix
California Santa Cruz $726,525 Phoenix
California Solano $494,500 Phoenix
California Sonoma $704,950 Phoenix
California Ventura $713,000 Phoenix
California Yolo $552,000 Phoenix
Colorado Adams $561,200 Denver
Colorado Arapahoe $561,200 Denver
Colorado Boulder $626,750 Denver
Colorado Broomfield $561,200 Denver
Colorado Clear Creek $561,200 Denver
Colorado Denver $561,200 Denver
Colorado Douglas $561,200 Denver
Colorado Eagle $696,900 Denver
Colorado Elbert $561,200 Denver
Colorado Garfield $718,750 Denver
Colorado Gilpin $561,200 Denver
Colorado Jefferson $561,200 Denver
Colorado Lake $625,500 Denver
Colorado Park $561,200 Denver
Colorado Pitkin $718,750 Denver
Colorado Routt $625,500 Denver
Colorado San Miguel $625,500 Denver
Colorado Summit $625,500 Denver
Connecticut Fairfield $601,450 Cleveland
District of Columbia District of Columbia $726,525 Roanoke
Florida Monroe $529,000 St. Petersburg
Georgia Greene $515,200 Atlanta
Guam Guam $726,525 Honolulu
Hawaii Hawaii $726,525 Honolulu
Hawaii Honolulu $726,525 Honolulu
Hawaii Kalawao $726,525 Honolulu
Hawaii Kauai $726,525 Honolulu
Hawaii Maui $726,525 Honolulu
Idaho Blaine $625,500 Denver
Idaho Camas $625,500 Denver
Idaho Lincoln $625,500 Denver
Idaho Teton $726,525 Denver
Maryland Anne Arundel $517,500 Roanoke
Maryland Baltimore $517,500 Roanoke
Maryland Baltimore City $517,500 Roanoke
Maryland Calvert $726,525 Roanoke
Maryland Carroll $517,500 Roanoke
Maryland Charles $726,525 Roanoke
Maryland Frederick $726,525 Roanoke
Maryland Harford $517,500 Roanoke
Maryland Howard $517,500 Roanoke
Maryland Montgomery $726,525 Roanoke
Maryland Prince George’s $726,525 Roanoke
Maryland Queen Anne’s $517,500 Roanoke
Massachusetts Dukes $726,525 Cleveland
Massachusetts Essex $688,850 Cleveland
Massachusetts Middlesex $688,850 Cleveland
Massachusetts Nantucket $726,525 Cleveland
Massachusetts Norfolk $688,850 Cleveland
Massachusetts Plymouth $688,850 Cleveland
Massachusetts Suffolk $688,850 Cleveland
Mariana Islands Northern Island $524,400 Honolulu
Mariana Islands Saipan $529,000 Honolulu
Mariana Islands Tinian $532,450 Honolulu
New Hampshire Rockingham $688,850 Cleveland
New Hampshire Strafford $688,850 Cleveland
New Jersey Bergen $726,525 Cleveland
New Jersey Essex $726,525 Cleveland
New Jersey Hudson $726,525 Cleveland
New Jersey Hunterdon $726,525 Cleveland
New Jersey Middlesex $726,525 Cleveland
New Jersey Monmouth $726,525 Cleveland
New Jersey Morris $726,525 Cleveland
New Jersey Ocean $726,525 Cleveland
New Jersey Passaic $726,525 Cleveland
New Jersey Somerset $726,525 Cleveland
New Jersey Sussex $726,525 Cleveland
New Jersey Union $726,525 Cleveland
New York Bronx $726,525 Cleveland
New York Dutchess $726,525 Cleveland
New York Kings $726,525 Cleveland
New York Nassau $726,525 Cleveland
New York New York $726,525 Cleveland
New York Orange $726,525 Cleveland
New York Putnam $726,525 Cleveland
New York Queens $726,525 Cleveland
New York Richmond $726,525 Cleveland
New York Rockland $726,525 Cleveland
New York Suffolk $726,525 Cleveland
New York Westchester $726,525 Cleveland
North Carolina Camden $625,500 Atlanta
North Carolina Pasquotank $625,500 Atlanta
North Carolina Perquimans $625,500 Atlanta
Pennsylvania Pike $726,525 Cleveland
Tennessee Cannon $534,750 Roanoke
Tennessee Cheatham $534,750 Roanoke
Tennessee Davidson $534,750 Roanoke
Tennessee Dickson $534,750 Roanoke
Tennessee Hickman $534,750 Roanoke
Tennessee Macon $534,750 Roanoke
Tennessee Maury $534,750 Roanoke
Tennessee Robertson $534,750 Roanoke
Tennessee Rutherford $534,750 Roanoke
Tennessee Smith $534,750 Roanoke
Tennessee Sumner $534,750 Roanoke
Tennessee Trousdale $534,750 Roanoke
Tennessee Williamson $534,750 Roanoke
Tennessee Wilson $534,750 Roanoke
Utah Salt Lake $600,300 Denver
Utah Summit $726,525 Denver
Utah Tooele $600,300 Denver
Virgin Islands St. Croix $726,525 St. Petersburg
Virgin Islands St. John $726,525 St. Petersburg
Virgin Islands St. Thomas $726,525 St. Petersburg
Virginia Alexandria City $726,525 Roanoke
Virginia Amelia $535,900 Roanoke
Virginia Arlington $726,525 Roanoke
Virginia Caroline $535,900 Roanoke
Virginia Charles City $535,900 Roanoke
Virginia Chesterfield $535,900 Roanoke
Virginia Clarke $726,525 Roanoke
Virginia Colonial Heights $535,900 Roanoke
Virginia Culpeper $726,525 Roanoke
Virginia Cumberland $535,900 Roanoke
Virginia Dinwiddie $535,900 Roanoke
Virginia Fairfax $726,525 Roanoke
Virginia Fairfax Independent City $726,525 Roanoke
Virginia Falls Church $726,525 Roanoke
Virginia Fauquier $726,525 Roanoke
Virginia Fredericksburg $726,525 Roanoke
Virginia Goochland $535,900 Roanoke
Virginia Hanover $535,900 Roanoke
Virginia Henrico $535,900 Roanoke
Virginia Hopewell City $535,900 Roanoke
Virginia King and Queen $535,900 Roanoke
Virginia King William $535,900 Roanoke
Virginia Loudoun $726,525 Roanoke
Virginia Louisa $535,900 Roanoke
Virginia Manassas $726,525 Roanoke
Virginia Manassas Park $726,525 Roanoke
Virginia New Kent $535,900 Roanoke
Virginia Petersburg City $535,900 Roanoke
Virginia Powhatan $535,900 Roanoke
Virginia Prince George $535,900 Roanoke
Virginia Prince William $726,525 Roanoke
Virginia Rappahannock $726,525 Roanoke
Virginia Richmond Independent City $535,900 Roanoke
Virginia Spotsylvania $726,525 Roanoke
Virginia Stafford $726,525 Roanoke
Virginia Sussex $535,900 Roanoke
Virginia Warren $726,525 Roanoke
Washington King $726,525 Denver
Washington Pierce $726,525 Denver
Washington Snohomish $726,525 Denver
West Virginia Jefferson $726,525 Roanoke
Wyoming Teton $726,525 Denver
Read about:   How much would I pay on a $350,000 mortgage?

Shop around to save thousands: As mentioned above, shaving a couple percentage points off your VA loan can save you thousands of dollars over the course of your loan. You can interest rates, you can view our list of VA Loan providers to shop and compare interest rates.

VA Regional Loan Centers & Contact Information

Cleveland Department of Veterans Affairs
VA Regional Loan Center
1240 East Ninth Street
Cleveland, OH 44199

Denver Department of Veterans Affairs
VA Regional Loan Center
155 Van Gordon Street
Lakewood, CO 80228
(Mailing Address: Box 25126, Denver, CO 80225)

Honolulu Department of Veterans Affairs
VA Regional Office
Loan Guaranty Division (26)
459 Patterson Rd.
Honolulu, HI 96819
*Note: This office is not technically a Regional Loan Center. However, they manage the VA Loan Guaranty program in Hawaii.

Phoenix Department of Veterans Affairs
VA Regional Loan Center
3333 N. Central Avenue
Phoenix, AZ 85012-2402

Roanoke Department of Veterans Affairs
VA Regional Loan Center
210 First Street
Roanoke, VA 24011
(Mailing Address: 116 N. Jefferson Street,Roanoke, VA 24016)

St. Paul Department of Veterans Affairs
VA Regional Loan Center
1 Federal Drive, Ft. Snelling.
St. Paul, MN 55111
(Mailing Address: P.O. Box 1437, St. Petersburg, FL 33731)

St. Petersburg Department of Veterans Affairs
VA Regional Loan Center
9500 Bay Pines Blvd.
St. Petersburg, FL 33708
(Mailing Address: P.O. Box 1437, St. Petersburg, FL 33731)

USAA Disclosure: Use of the term “member” or “membership” refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change. To join USAA, separated military personnel must have received a discharge type of “Honorable.” Eligible former dependents of USAA members may join USAA. Bank products provided by USAA Federal Savings Bank, Member FDIC and Equal Housing Lender NMLS ID 401058.

Equal Housing OpportunityEqual Housing Opportunity. The Department of Veterans Affairs affirmatively administers the VA Home Loan Program by assuring that all Veterans are given an equal opportunity to buy homes with VA assistance. Federal law requires all VA Home Loan Program participants – builders, brokers and lenders offering housing for sale with VA financing – must comply with Fair Housing Laws and may not discriminate based on the race, color, religion, sex, handicap, familial status, or national origin of the Veteran.

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