Presented by Veterans United Home Loans

VA Loan Limits for High-Cost Counties: Updated for 2019

VA Loan High Cost Counties Map 2019

The VA loan guaranty program does not impose a maximum amount that an eligible veteran may borrow using a VA loan but limits the VA’s liability by capping the guaranty amount to $484,350 in 2019 for most loans. This limit affects the amount a bank is willing to lend without requiring a down payment.

However, if you live in one of the “high-cost counties” listed below, follow the data on the chart to determine the VA's maximum guaranty amount for a particular county. Why are some counties' limits higher than others? Consider the quality of home you can purchase for $453,100 in, say, New York City versus a more rural area: the higher property costs in areas like NYC mean that, without higher VA loan limits, the benefit to our eligible service members would be limited to only the least desirable, risky, and dilapidated homes.

These limits apply to all loans closed January 1, 2019 and afterwards.

Still doing your research? Whether you are in a high-cost county or not, discuss your VA loan benefits, down payment options, and loan limits, plus get no obligation rate quotes to help you plan your family’s future.

Notes from the VA on High-Cost Counties

Lenders may make loans to veterans greater than the maximum county loan limit; however, lenders may require Veterans to make a down payment for the amount borrowed in excess of the applicable county loan limit. VA loan limits are based on county median home values reported by the Federal Housing Administration. These values are the basis for which VA calculates limits for their program.

For 2019, some limits increased, some stayed the same and a few decreased. The maximum guaranty amount for loans over $144,000 is 25 percent of the 2019 VA county loan limit shown below. Veterans with full entitlement available may borrow up to this limit and VA will guarantee 25 percent of the loan amount. If a Veteran has previously used entitlement that has not been restored, the maximum guaranty amount available to that Veteran must be reduced accordingly. Lenders should check their own investor requirements regarding guaranty amounts and down payments.

Questions about VA loans in a particular county may be directed to the VA Regional Loan Center of jurisdiction. 

NOTE: For all counties not listed below, the limit is $484,350.

Regional loan center contact information is below this chart.

STATE COUNTY 2019 VA LIMIT Regional Loan Center
AK ALEUTIANS EAST $726,525 DENVER
AK ALEUTIANS WEST $726,525

DENVER

AK ANCHORAGE $726,525

DENVER

AK BETHEL $726,525

DENVER

AK BRISTOL BAY $726,525

DENVER

AK DENALI $726,525

DENVER

AK DILLINGHAM $726,525

DENVER

AK FAIRBANKS NORTH $726,525

DENVER

AK HAINES $726,525

DENVER

AK HOONAH-ANGOON $726,525

DENVER

AK JUNEAU $726,525

DENVER

AK KENAI PENINSULA $726,525

DENVER

AK KETCHIKAN GATEWAY $726,525

DENVER

AK KODIAK ISLAND $726,525

DENVER

AK KUSILVAK CENSUS AREA $726,525 DENVER
AK LAKE AND PENINSULA $726,525

DENVER

AK MATANUSKA-SUSITNA $726,525

DENVER

AK NOME $726,525

DENVER

AK NORTH SLOPE $726,525

DENVER

AK NORTHWEST ARCTIC $726,525

DENVER

AK PETERSBURG CENSUS AREA $726,525

DENVER

AK PRINCE OF WALES-HYDER $726,525

DENVER

AK SITKA $726,525

DENVER

AK SKAGWAY MUNICIPALITY $726,525

DENVER

AK SOUTHEAST FAIRBANKS $726,525

DENVER

AK VALDEZ-CORDOVA $726,525

DENVER

AK WRANGELL CITY/BOROUGH $726,525

DENVER

AK YAKUTAT CITY $726,525

DENVER

AK YUKON-KOYUKUK $726,525

DENVER

CA ALAMEDA $726,525 PHOENIX
CA CONTRA COSTA $726,525 PHOENIX
CA EL DORADO $552,000 PHOENIX
CA LOS ANGELES $726,525 PHOENIX
CA MARIN $726,525 PHOENIX
CA MONO $529,000 PHOENIX
CA MONTEREY $652,050 PHOENIX
CA NAPA $726,525 PHOENIX
CA NEVADA $486,450 PHOENIX
CA ORANGE $726,525 PHOENIX
CA PLACER $552,000 PHOENIX
CA SACRAMENTO $552,000 PHOENIX
CA SAN BENITO $726,525 PHOENIX
CA SAN DIEGO $690,000 PHOENIX
CA SAN FRANCISCO $726,525 PHOENIX
CA SAN LUIS OBISPO $667,000 PHOENIX
CA SAN MATEO $726,525 PHOENIX
CA SANTA BARBARA $625,500 PHOENIX
CA SANTA CLARA $726,525 PHOENIX
CA SANTA CRUZ $726,525 PHOENIX
CA SOLANO $494,500 PHOENIX
CA SONOMA $704,950 PHOENIX
CA VENTURA $713,000 PHOENIX
CA YOLO $552,000 PHOENIX
CO ADAMS $561,200 DENVER
CO ARAPAHOE $561,200 DENVER
CO BOULDER $626,750 DENVER
CO BROOMFIELD $561,200 DENVER
CO CLEAR CREEK $561,200 DENVER
CO DENVER $561,200 DENVER
CO DOUGLAS $561,200 DENVER
CO EAGLE $696,900 DENVER
CO ELBERT $561,200 DENVER
CO GARFIELD $718,750 DENVER
CO GILPIN $561,200 DENVER
CO JEFFERSON $561,200 DENVER
CO LAKE $625,500 DENVER
CO PARK $561,200 DENVER
CO PITKIN $718,750 DENVER
CO ROUTT $625,500 DENVER
CO SAN MIGUEL $625,500 DENVER
CO SUMMIT $625,500 DENVER
CT FAIRFIELD $601,450 CLEVELAND
DC DISTRICT OF COLUMBIA $726,525 ROANOKE
FL MONROE $529,000 ST. PETERSBURG
GA GREENE $515,200 ATLANTA
GU GUAM $726,525 HONOLULU
HI HAWAII $726,525 HONOLULU
HI HONOLULU $726,525 HONOLULU
HI KALAWAO $726,525 HONOLULU
HI KAUAI $726,525 HONOLULU
HI MAUI $726,525 HONOLULU
ID BLAINE $625,500 DENVER
ID CAMAS $625,500 DENVER
ID LINCOLN $625,500 DENVER
ID TETON $726,525 DENVER
MA DUKES $726,525 CLEVELAND
MA ESSEX $688,850 CLEVELAND
MA MIDDLESEX $688,850 CLEVELAND
MA NANTUCKET $726,525 CLEVELAND
MA NORFOLK $688,850 CLEVELAND
MA PLYMOUTH $688,850 CLEVELAND
MA SUFFOLK $688,850 CLEVELAND
MD ANNE ARUNDEL $517,500 ROANOKE
MD BALTIMORE $517,500 ROANOKE
MD BALTIMORE CITY $517,500 ROANOKE
MD CALVERT $726,525 ROANOKE
MD CARROLL $517,500 ROANOKE
MD CHARLES $726,525 ROANOKE
MD FREDERICK $726,525 ROANOKE
MD HARFORD $517,500 ROANOKE
MD HOWARD $517,500 ROANOKE
MD MONTGOMERY $726,525 ROANOKE
MD PRINCE GEORGE'S $726,525 ROANOKE
MD QUEEN ANNE'S $517,500 ROANOKE
MP NORTHERN ISLAND $524,400 HONOLULU
MP SAIPAN $529,000 HONOLULU
MP TINIAN $532,450 HONOLULU
NC CAMDEN $625,500 ATLANTA
NC PASQUOTANK $625,500 ATLANTA
NC PERQUIMANS $625,500 ATLANTA
NH ROCKINGHAM $688,850 CLEVELAND
NH STRAFFORD $688,850 CLEVELAND
NJ BERGEN $726,525 CLEVELAND
NJ ESSEX $726,525 CLEVELAND
NJ HUDSON $726,525 CLEVELAND
NJ HUNTERDON $726,525 CLEVELAND
NJ MIDDLESEX $726,525 CLEVELAND
NJ MONMOUTH $726,525 CLEVELAND
NJ MORRIS $726,525 CLEVELAND
NJ OCEAN $726,525 CLEVELAND
NJ PASSAIC $726,525 CLEVELAND
NJ SOMERSET $726,525 CLEVELAND
NJ SUSSEX $726,525 CLEVELAND
NJ UNION $726,525 CLEVELAND
NY BRONX $726,525 CLEVELAND
NY DUTCHESS $726,525 CLEVELAND
NY KINGS $726,525 CLEVELAND
NY NASSAU $726,525 CLEVELAND
NY NEW YORK $726,525 CLEVELAND
NY ORANGE $726,525 CLEVELAND
NY PUTNAM $726,525 CLEVELAND
NY QUEENS $726,525 CLEVELAND
NY RICHMOND $726,525 CLEVELAND
NY ROCKLAND $726,525 CLEVELAND
NY SUFFOLK $726,525 CLEVELAND
NY WESTCHESTER $726,525 CLEVELAND
PA PIKE $726,525 CLEVELAND
TN CANNON $534,750 ROANOKE
TN CHEATHAM $534,750 ROANOKE
TN DAVIDSON $534,750 ROANOKE
TN DICKSON $534,750 ROANOKE
TN HICKMAN $534,750 ROANOKE
TN MACON $534,750 ROANOKE
TN MAURY $534,750 ROANOKE
TN ROBERTSON $534,750 ROANOKE
TN RUTHERFORD $534,750 ROANOKE
TN SMITH $534,750 ROANOKE
TN SUMNER $534,750 ROANOKE
TN TROUSDALE $534,750 ROANOKE
TN WILLIAMSON $534,750 ROANOKE
TN WILSON $534,750 ROANOKE
UT SALT LAKE $600,300 DENVER
UT SUMMIT $726,525 DENVER
UT TOOELE $600,300 DENVER
VA ALEXANDRIA $726,525 ROANOKE
VA AMELIA $535,900 ROANOKE
VA ARLINGTON $726,525 ROANOKE
VA CAROLINE $535,900 ROANOKE
VA CHARLES CITY $535,900 ROANOKE
VA CHESTERFIELD $535,900 ROANOKE
VA CLARKE $726,525 ROANOKE
VA COLONIAL HEIGHTS $535,900 ROANOKE
VA CULPEPER $726,525 ROANOKE
VA CUMBERLAND $535,900 ROANOKE
VA DINWIDDIE $535,900 ROANOKE
VA FAIRFAX $726,525 ROANOKE
VA FAIRFAX INDEPENDENT CITY $726,525 ROANOKE
VA FALLS CHURCH $726,525 ROANOKE
VA FAUQUIER $726,525 ROANOKE
VA FREDERICKSBURG $726,525 ROANOKE
VA GOOCHLAND $535,900 ROANOKE
VA HANOVER $535,900 ROANOKE
VA HENRICO $535,900 ROANOKE
VA HOPEWELL $535,900 ROANOKE
VA KING AND QUEEN $535,900 ROANOKE
VA KING WILLIAM $535,900 ROANOKE
VA LOUDOUN $726,525 ROANOKE
VA LOUISA $535,900 ROANOKE
VA MANASSAS $726,525 ROANOKE
VA MANASSAS PARK $726,525 ROANOKE
VA NEW KENT $535,900 ROANOKE
VA PETERSBURG $535,900 ROANOKE
VA POWHATAN $535,900 ROANOKE
VA PRINCE GEORGE $535,900 ROANOKE
VA PRINCE WILLIAM $726,525 ROANOKE
VA RAPPAHANNOCK $726,525 ROANOKE
VA RICHMOND INDEPENDENT CITY $535,900 ROANOKE
VA SPOTSYLVANIA $726,525 ROANOKE
VA STAFFORD $726,525 ROANOKE
VA SUSSEX $535,900 ROANOKE
VA WARREN $726,525 ROANOKE
VI ST. CROIX $726,525 ST. PETERSBURG
VI ST. JOHN $726,525 ST. PETERSBURG
VI ST. THOMAS $726,525 ST. PETERSBURG
WA KING $726,525 DENVER
WA PIERCE $726,525 DENVER
WA SNOHOMISH $726,525 DENVER
WV JEFFERSON $726,525 ROANOKE
WY TETON $726,525 DENVER

Regional Loan Center Info:

Cleveland Department of Veterans Affairs VA Regional Loan Center 1240 East Ninth Street Cleveland, OH 44199 http://benefits.va.gov/cleveland/regional-loan-center.asp

Denver Department of Veterans Affairs VA Regional Loan Center 155 Van Gordon Street Lakewood, CO 80228 (Mail: Box 25126, Denver, CO 80225) http://www.benefits.va.gov/denver/regional-loan-center.asp

Honolulu Department of Veterans Affairs VA Regional Office Loan Guaranty Division (26) 459 Patterson Rd. Honolulu, HI 96819 *Although not an RLC, this office is a fully functioning Loan Guaranty operation for Hawaii. http://www.benefits.va.gov/honolulu/regional-loan-center.asp

Phoenix Department of Veterans Affairs VA Regional Loan Center 3333 N. Central Avenue Phoenix, AZ 85012-2402 http://www.benefits.va.gov/phoenix/regional-loan-center.asp

Roanoke Department of Veterans Affairs VA Regional Loan Center 210 First Street Roanoke, VA 24011 Mailing Address: 116 N. Jefferson Street Roanoke, VA 24016 http://www.benefits.va.gov/roanoke/regional-loan-center.asp

St. Paul Department of Veterans Affairs VA Regional Loan Center 1 Federal Drive, Ft. Snelling. St. Paul, MN 55111 (Mail: P.O. Box 1437, St. Petersburg, FL 33731) http://www.benefits.va.gov/stpaul/regional-loan-center.asp

St. Petersburg Department of Veterans Affairs VA Regional Loan Center 9500 Bay Pines Blvd. St. Petersburg, FL 33708 (Mail: P.O. Box 1437, St. Petersburg, FL 33731) http://www.benefits.va.gov/stpetersburg/regional-loan-center.asp

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