VA Loan Limits 2019

VA Loan Limits

One of the benefits of serving in the US Armed Forces is the ability to get a VA loan in order to buy your own home.  There is no cap on how much you can borrow to finance your home with the VA.  However, there are limits on the amount of liability that the VA will assume.  This is why there are limits on how much you can borrow. The VA loan limits are the amount a qualified veteran with full entitlement may be able to borrow without making a downpayment.

LATEST: VA Loan Limits to Disappear in 2020

The loan limits do vary by county, because the value of homes is different based on where you are.

About the VA Loan

The VA loan was created in 1944, part of the original Servicemen’s Readjustment Act known as the GI Bill of Rights. It allowed members of the military, coming home from World War II, a chance to buy their own home as still does today.

There are some stipulations when it comes to the VA loan. Your property has to pass a VA inspection and their are loan limits. Here is what you need to know about how much of a VA loan you can get.

About The VA Loan Benefit

The VA’s 2019 loan limits are the same as the Federal Housing Finance Agency’s limits. You can find the full list of 2019 limits on the Federal Housing Finance Agency website but here are some examples.

For many states, and parts of states, the VA loan limit for a one-unit (which is the column that is used for determining VA guaranty) would be $484,350. For states such as Hawaii, Alaska, and parts of CA, as well as other high cost areas, the amounts are higher, even up to $726,525. Learning about what the limit is for where you want to buy your home is important but the limits should line up and allow you to buy the home that you want within reason, even in high cost areas.

If a veteran has used a VA loan and has not met the limit, they still might have remaining entitlement to use for another VA loan. Most lenders will require that the combination of the guaranty entitlement and any cash down payment be equal to at least 25% of the reasonable value or sales price of the property, whichever is less. If a borrower needs to, they can combine a down payment with the remaining entitlement in order to get a larger loan amount.

VA loan limits can be updated each year so make sure you are checking the 2019 VA loan limits when doing your research.

For many states, and parts of states, the VA loan limit for a one-unit (which is the column that is used for determining VA guaranty) would be $484,350. High Cost Area Amounts can vary with $726,525 being the maximum. Here are the locations and those amounts.

VA Loan Limits 2019

The VA Loan Limit for 2019 is $484,350.  This applies to all states/counties not listed below.  Those appearing below are an exception to the limit where real estate prices are higher on average.

VA Loan Limits for High Cost Counties

StateCountyVA Loan Limit
AlaskaAll of Alaska$726,525
CaliforniaAlameda$726,525
Contra Costa$726,525
El Dorado$552,000
Los Angeles$726,525
Marin$726,525
Mono$529,000
Monterey$652,050
Napa$726,525
Nevada$486,450
Orange$726,525
Placer$552,000
Placer$552,000
Sacramento$552,000
San Benito$726,525
San Diego$690,000
San Francisco$726,525
San Luis Obispo$667,000
San Mateo$726,525
Santa Barbara$625,500
Santa Clara$726,525
Santa Cruz$726,525
Solano$494,500
Sonoma$704,950
Ventura$713,000
ColoradoAdams$561,200
Arapahoe$561,200
Boulder$626,750
Broomfield$561,200
Clear Creek$561,200
Denver$561,200
Douglas$561,200
Eagle$696,900
Elbert$561,200
Garfield$718,750
Gilpin$561,200
Jefferson$561,200
Lake$625,500
Park$561,200
Pitkin$718,750
Routt$625,500
San Miguel$625,500
Summit$625,500
ConnecticutFairfield$601,450
District of ColumbiaWashington, DC$726,525
FloridaMonroe$529,000
GeorgiaGreene$515,200
GuamGuam$726,525
HawaiiAll of HI$726,525
IdahoBlaine$625,500
Camas$625,500
Lincoln$625,500
Teton$726,525
MarylandAnne Arundel$517,500
Baltimore$517,500
Baltimore City$517,500
Calvert$726,525
Carroll$517,500
Charles$726,525
Frederick$726,525
Harford$517,500
Howard$517,500
Montgomery$726,525
Prince George's$726,525
Queen Anne's$517,500
MassachusettsDukes$726,525
Essex$688,850
Middlesex$688,850
Nantucket$726,525
Norfolk$688,850
Plymouth$688,850
Suffolk$688,850
New HampshireRockingham$668,850
Strafford$668,850
New JerseyBergen$726,525
Essex$726,525
Hudson$726,525
Hunterdon$726,525
Middlesex$726,525
Monmouth$726,525
Morris$726,525
Ocean$726,525
Passaic$726,525
Somerset$726,525
Sussex$726,525
Union$726,525
New YorkBronx$726,525
Dutchess$726,525
Kings$726,525
Nassau$726,525
New York$726,525
Orange$726,525
Putnam$726,525
Queens$726,525
Richmond$726,525
Rockland$726,525
Suffolk$726,525
Westchester$726,525
North CarolinaCamden$625,500
Pasquotank$625,500
Perquimans$625,500
Northern Mariana IslandsNorthern Island$524,400
Saipan$529,000
Tinian$532,450
PennsylvaniaPike$726,525
TennesseeCannon$534,750
Cheatham$534,750
Davidson$534,750
Dickson$534,750
Hickman$534,750
Macon$534,750
Maury$534,750
Robertson$534,750
Rutherford$534,750
Smith$534,750
Trousdale$534,750
Williamson$534,750
Wilson$534,750
UtahSalt Lake$600,300
Summit$726,525
Tooele$600,300
Virgin IslandsSt. Croix$726,525
St. John$726,525
St. Thomas$726,525
VirginaAlexandria$725,525
Amelia$535,900
Arlington$725,525
Caroline$535,900
Charles City$535,900
Chesterfield$535,900
Clarke$725,525
Colonail Heights$535,900
Culpeper$725,525
Cumberland$535,900
Dinwiddie$535,900
Fairfax$725,525
Fairfax IND$725,525
Falls Church$725,525
Fauquier$725,525
Fredericksburg$725,525
Goochland$535,900
Hanover$535,900
Henrico$535,900
Hopewell$535,900
King and Queen$535,900
King William$535,900
Loudoun$725,525
Louisa$535,900
Manassas$725,525
Manassas Park$725,525
New Kent$535,900
Petersburg$535,900
Powhatan$535,900
Prince George$535,900
Prince William$725,525
Rappahannock$725,525
Richmond IND$535,900
Spotsylvania$725,525
Stafford$725,525
Sussex$535,900
Warren$725,525
WashingtonKing$726,525
Pierce$726,525
Snohomish$726,525
West VirginiaJefferson$726,525
WyomingTeton$726,525

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