The VA loan guaranty program does not impose a maximum amount that an eligible veteran may borrow using a VA loan but limits the maximum guaranty amount to $453,100 for 2018. However, if you live in one of the following counties listed below, follow the data on the chart to determine the VA's maximum guaranty amount for a particular county. These limits apply to all loans closed January 1, 2018 and afterwards.
Notes from the VA:
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 2018, 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 2018 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 $453,100.
Regional loan center contact information is below this chart.
| STATE | COUNTY | 2018 VA LIMIT | Regional Loan Center |
| AK | ALEUTIANS EAST | $679,650 | DENVER |
| AK | ALEUTIANS WEST | $679,650 |
DENVER |
| AK | ANCHORAGE | $679,650 |
DENVER |
| AK | BETHEL | $679,650 |
DENVER |
| AK | BRISTOL BAY | $679,650 |
DENVER |
| AK | DENALI | $679,650 |
DENVER |
| AK | DILLINGHAM | $679,650 |
DENVER |
| AK | FAIRBANKS NORTH | $679,650 |
DENVER |
| AK | HAINES | $679,650 |
DENVER |
| AK | HOONAH-ANGOON | $679,650 |
DENVER |
| AK | JUNEAU | $679,650 |
DENVER |
| AK | KENAI PENINSULA | $679,650 |
DENVER |
| AK | KETCHIKAN GATEWAY | $679,650 |
DENVER |
| AK | KODIAK ISLAND | $679,650 |
DENVER |
| AK | KUSILVAK CENSUS AREA | $679,650 | DENVER |
| AK | LAKE AND PENINSULA | $679,650 |
DENVER |
| AK | MATANUSKA-SUSITNA | $679,650 |
DENVER |
| AK | NOME | $679,650 |
DENVER |
| AK | NORTH SLOPE | $679,650 |
DENVER |
| AK | NORTHWEST ARCTIC | $679,650 |
DENVER |
| AK | PETERSBURG CENSUS AREA | $679,650 |
DENVER |
| AK | PRINCE OF WALES-HYDER | $679,650 |
DENVER |
| AK | SITKA | $679,650 |
DENVER |
| AK | SKAGWAY MUNICIPALITY | $679,650 |
DENVER |
| AK | SOUTHEAST FAIRBANKS | $679,650 |
DENVER |
| AK | VALDEZ-CORDOVA | $679,650 |
DENVER |
| AK | WRANGELL CITY/BOROUGH | $679,650 |
DENVER |
| AK | YAKUTAT CITY | $679,650 |
DENVER |
| AK | YUKON-KOYUKUK | $679,650 |
DENVER |
| CA | ALAMEDA | $679,650 | PHOENIX |
| CA | ALPINE | $463,450 | PHOENIX |
| CA | CONTRA COSTA | $679,650 | PHOENIX |
| CA | EL DORADO | $517,500 | PHOENIX |
| CA | LOS ANGELES | $679,650 | PHOENIX |
| CA | MARIN | $679,650 | PHOENIX |
| CA | MONO | $529,000 | PHOENIX |
| CA | MONTEREY | $615,250 | PHOENIX |
| CA | NAPA | $679,650 | PHOENIX |
| CA | NEVADA | $477,250 | PHOENIX |
| CA | ORANGE | $679,650 | PHOENIX |
| CA | PLACER | $517,500 | PHOENIX |
| CA | SACRAMENTO | $517,500 | PHOENIX |
| CA | SAN BENITO | $679,650 | PHOENIX |
| CA | SAN DIEGO | $649,750 | PHOENIX |
| CA | SAN FRANCISCO | $679,650 | PHOENIX |
| CA | SAN LUIS OBISPO | $615,250 | PHOENIX |
| CA | SAN MATEO | $679,650 | PHOENIX |
| CA | SANTA BARBARA | $625,500 | PHOENIX |
| CA | SANTA CLARA | $679,650 | PHOENIX |
| CA | SANTA CRUZ | $679,650 | PHOENIX |
| CA | SOLANO | $460,000 | PHOENIX |
| CA | SONOMA | $648,600 | PHOENIX |
| CA | VENTURA | $672,750 | PHOENIX |
| CA | YOLO | $517,500 | PHOENIX |
| CO | ADAMS | $529,000 | DENVER |
| CO | ARAPAHOE | $529,000 | DENVER |
| CO | BOULDER | $578,450 | DENVER |
| CO | BROOMFIELD | $529,000 | DENVER |
| CO | CLEAR CREEK | $529,000 | DENVER |
| CO | DENVER | $529,000 | DENVER |
| CO | DOUGLAS | $529,000 | DENVER |
| CO | EAGLE | $636,150 | DENVER |
| CO | ELBERT | $529,000 | DENVER |
| CO | GARFIELD | $679,650 | DENVER |
| CO | GILPIN | $529,000 | DENVER |
| CO | JEFFERSON | $529,000 | DENVER |
| CO | LAKE | $625,500 | DENVER |
| CO | PARK | $529,000 | DENVER |
| CO | PITKIN | $679,650 | 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 | $679,650 | ROANOKE |
| FL | MONROE | $529,000 | ST. PETERSBURG |
| GA | GREENE | $515,200 | ATLANTA |
| GU | GUAM | $679,650 | HONOLULU |
| HI | HAWAII | $679,650 | HONOLULU |
| HI | HONOLULU | $721,050 | HONOLULU |
| HI | KALAWAO | $679,650 | HONOLULU |
| HI | KAUAI | $713,000 | HONOLULU |
| HI | MAUI | $679,650 | HONOLULU |
| ID | BLAINE | $625,500 | DENVER |
| ID | CAMAS | $625,500 | DENVER |
| ID | LINCOLN | $625,500 | DENVER |
| ID | TETON | $679,650 | DENVER |
| MA | DUKES | $679,650 | CLEVELAND |
| MA | ESSEX | $603,750 | CLEVELAND |
| MA | MIDDLESEX | $603,750 | CLEVELAND |
| MA | NANTUCKET | $679,650 | CLEVELAND |
| MA | NORFOLK | $603,750 | CLEVELAND |
| MA | PLYMOUTH | $603,750 | CLEVELAND |
| MA | SUFFOLK | $603,750 | CLEVELAND |
| MD | ANNE ARUNDEL | $517,500 | ROANOKE |
| MD | BALTIMORE | $517,500 | ROANOKE |
| MD | BALTIMORE CITY | $517,500 | ROANOKE |
| MD | CALVERT | $679,650 | ROANOKE |
| MD | CARROLL | $517,500 | ROANOKE |
| MD | CHARLES | $679,650 | ROANOKE |
| MD | FREDERICK | $679,650 | ROANOKE |
| MD | HARFORD | $517,500 | ROANOKE |
| MD | HOWARD | $517,500 | ROANOKE |
| MD | MONTGOMERY | $679,650 | ROANOKE |
| MD | PRINCE GEORGE'S | $679,650 | 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 | CURRITUCK | $458,850 | ATLANTA |
| NC | GATES | $458,850 | ATLANTA |
| NC | HYDE | $483,000 | ATLANTA |
| NC | PASQUOTANK | $625,500 | ATLANTA |
| NC | PERQUIMANS | $625,500 | ATLANTA |
| NH | ROCKINGHAM | $603,750 | CLEVELAND |
| NH | STRAFFORD | $603,750 | CLEVELAND |
| NJ | BERGEN | $679,650 | CLEVELAND |
| NJ | ESSEX | $679,650 | CLEVELAND |
| NJ | HUDSON | $679,650 | CLEVELAND |
| NJ | HUNTERDON | $679,650 | CLEVELAND |
| NJ | MIDDLESEX | $679,650 | CLEVELAND |
| NJ | MONMOUTH | $679,650 | CLEVELAND |
| NJ | MORRIS | $679,650 | CLEVELAND |
| NJ | OCEAN | $679,650 | CLEVELAND |
| NJ | PASSAIC | $679,650 | CLEVELAND |
| NJ | SOMERSET | $679,650 | CLEVELAND |
| NJ | SUSSEX | $679,650 | CLEVELAND |
| NJ | UNION | $679,650 | CLEVELAND |
| NY | BRONX | $679,650 | CLEVELAND |
| NY | DUTCHESS | $679,650 | CLEVELAND |
| NY | KINGS | $679,650 | CLEVELAND |
| NY | NASSAU | $679,650 | CLEVELAND |
| NY | NEW YORK | $679,650 | CLEVELAND |
| NY | ORANGE | $679,650 | CLEVELAND |
| NY | PUTNAM | $679,650 | CLEVELAND |
| NY | QUEENS | $679,650 | CLEVELAND |
| NY | RICHMOND | $679,650 | CLEVELAND |
| NY | ROCKLAND | $679,650 | CLEVELAND |
| NY | SUFFOLK | $679,650 | CLEVELAND |
| NY | WESTCHESTER | $679,650 | CLEVELAND |
| OR | HOOD RIVER | $454,250 | DENVER |
| PA | PIKE | $679,650 | CLEVELAND |
| TN | CANNON | $494,500 | ROANOKE |
| TN | CHEATHAM | $494,500 | ROANOKE |
| TN | DAVIDSON | $494,500 | ROANOKE |
| TN | DICKSON | $494,500 | ROANOKE |
| TN | HICKMAN | $494,500 | ROANOKE |
| TN | MACON | $494,500 | ROANOKE |
| TN | MAURY | $494,500 | ROANOKE |
| TN | ROBERTSON | $494,500 | ROANOKE |
| TN | RUTHERFORD | $494,500 | ROANOKE |
| TN | SMITH | $494,500 | ROANOKE |
| TN | SUMNER | $494,500 | ROANOKE |
| TN | TROUSDALE | $494,500 | ROANOKE |
| TN | WILLIAMSON | $494,500 | ROANOKE |
| TN | WILSON | $494,500 | ROANOKE |
| UT | SALT LAKE | $600,300 | DENVER |
| UT | SUMMIT | $679,650 | DENVER |
| UT | TOOELE | $600,300 | DENVER |
| VA | ALEXANDRIA | $679,650 | ROANOKE |
| VA | AMELIA | $535,900 | ROANOKE |
| VA | ARLINGTON | $679,650 | ROANOKE |
| VA | CAROLINE | $535,900 | ROANOKE |
| VA | CHARLES CITY | $535,900 | ROANOKE |
| VA | CHESAPEAKE | $458,850 | ROANOKE |
| VA | CHESTERFIELD | $535,900 | ROANOKE |
| VA | CLARKE | $679,650 | ROANOKE |
| VA | COLONIAL HEIGHTS | $535,900 | ROANOKE |
| VA | CULPEPER | $679,650 | ROANOKE |
| VA | CUMBERLAND | $535,900 | ROANOKE |
| VA | DINWIDDIE | $535,900 | ROANOKE |
| VA | FAIRFAX | $679,650 | ROANOKE |
| VA | FAIRFAX INDEPENDENT CITY | $679,650 | ROANOKE |
| VA | FALLS CHURCH | $679,650 | ROANOKE |
| VA | FAUQUIER | $679,650 | ROANOKE |
| VA | FREDERICKSBURG | $679,650 | ROANOKE |
| VA | GLOUCESTER | $458,850 | ROANOKE |
| VA | GOOCHLAND | $535,900 | ROANOKE |
| VA | HAMPTON | $458,850 | ROANOKE |
| VA | HANOVER | $535,900 | ROANOKE |
| VA | HENRICO | $535,900 | ROANOKE |
| VA | HOPEWELL | $535,900 | ROANOKE |
| VA | ISLE OF WIGHT | $458,850 | ROANOKE |
| VA | JAMES CITY | $458,850 | ROANOKE |
| VA | KING AND QUEEN | $535,900 | ROANOKE |
| VA | KING WILLIAM | $535,900 | ROANOKE |
| VA | LOUDOUN | $679,650 | ROANOKE |
| VA | LOUISA | $535,900 | ROANOKE |
| VA | MANASSAS | $679,650 | ROANOKE |
| VA | MANASSAS PARK | $679,650 | ROANOKE |
| VA | MATHEWS | $458,850 | ROANOKE |
| VA | NEW KENT | $535,900 | ROANOKE |
| VA | NEWPORT NEWS | $458,850 | ROANOKE |
| VA | NORFOLK | $458,850 | ROANOKE |
| VA | PETERSBURG | $535,900 | ROANOKE |
| VA | POQUOSON | $458,850 | ROANOKE |
| VA | PORTSMOUTH | $458,850 | ROANOKE |
| VA | POWHATAN | $535,900 | ROANOKE |
| VA | PRINCE GEORGE | $535,900 | ROANOKE |
| VA | PRINCE WILLIAM | $679,650 | ROANOKE |
| VA | RAPPAHANNOCK | $679,650 | ROANOKE |
| VA | RICHMOND INDEPENDENT CITY | $535,900 | ROANOKE |
| VA | SPOTSYLVANIA | $679,650 | ROANOKE |
| VA | STAFFORD | $679,650 | ROANOKE |
| VA | SUFFOLK | $458,850 | ROANOKE |
| VA | SURRY | $458,850 | ROANOKE |
| VA | SUSSEX | $535,900 | ROANOKE |
| VA | VIRGINIA BEACH | $458,850 | ROANOKE |
| VA | WARREN | $679,650 | ROANOKE |
| VA | WILLIAMSBURG | $458,850 | ROANOKE |
| VA | YORK | $458,850 | ROANOKE |
| VI | ST. CROIX | $679,650 | ST. PETERSBURG |
| VI | ST. JOHN | $679,650 | ST. PETERSBURG |
| VI | ST. THOMAS | $679,650 | ST. PETERSBURG |
| WA | KING | $667,000 | DENVER |
| WA | PIERCE | $667,000 | DENVER |
| WA | SAN JUAN | $483,000 | DENVER |
| WA | SNOHOMISH | $667,000 | DENVER |
| WV | JEFFERSON | $679,650 | ROANOKE |
| WY | TETON | $679,650 | 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
