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2021 VA Loan Limit Calculator

VA loan limits no longer apply to qualified Veterans with their full VA loan entitlement. Veterans with reduced VA loan entitlement must still follow VA loan limits. Keep in mind, VA loan limits are not a maximum on how much you can borrow but help determine how much you can borrow without needing to factor in a down payment.

Find My Loan Limit

VA loan limits determine how much a Veteran with reduced entitlement can borrow before needing to factor in a down payment. VA loan limits vary by county and currently range from $548,250 to $822,375.

While qualified Veterans with their full entitlement can borrow as much as a lender is willing to extend, those with reduced or diminished entitlement are bound to VA loan limits. Less-than-full entitlement is typically due to having one or more existing VA loans or because of default on prior VA loan.

State VA Loan Limits by County

  • AL
    VA Loan Limits by County
    • All areas $548,250
  • AK
    VA Loan Limits by County
    • Aleutians East $822,375
    • Aleutians West $822,375
    • Anchorage $822,375
    • Bethel $822,375
    • Bristol Bay $822,375
    • Denali $822,375
    • Dillingham $822,375
    • Fairbanks North Star $822,375
    • Haines $822,375
    • Hoonah-angoon Census Area $822,375
    • Juneau $822,375
    • Kenai Peninsula $822,375
    • Ketchikan Gateway $822,375
    • Kodiak Island $822,375
    • Kuslivak Census Area $822,375
    • Lake And Peninsula $822,375
    • Matanuska Susitna $822,375
    • Nome $822,375
    • North Slope $822,375
    • Northwest Arctic $822,375
    • Petersburg Census Area $822,375
    • Prince Of Wales-hyder Census Area $822,375
    • Sitka $822,375
    • Skagway $822,375
    • Southeast Fairbanks $822,375
    • Valdez Cordova $822,375
    • Wrangell $822,375
    • Yakutat $822,375
    • Yukon Koyukuk $822,375
    • All other areas $548,250
  • AZ
    VA Loan Limits by County
    • All areas $548,250
  • AR
    VA Loan Limits by County
    • All areas $548,250
  • CA
    VA Loan Limits by County
    • Alameda $822,375
    • Contra Costa $822,375
    • El Dorado $598,000
    • Los Angeles $822,375
    • Marin $822,375
    • Monterey $739,450
    • Napa $816,500
    • Orange $822,375
    • Placer $598,000
    • Sacramento $598,000
    • San Benito $822,375
    • San Diego $753,250
    • San Francisco $822,375
    • San Luis Obispo $701,500
    • San Mateo $822,375
    • Santa Barbara $660,100
    • Santa Clara $822,375
    • Santa Cruz $822,375
    • Solano $550,850
    • Sonoma $707,250
    • Ventura $739,450
    • Yolo $598,000
    • All other areas $548,250
  • CO
    VA Loan Limits by County
    • Adams $596,850
    • Arapahoe $596,850
    • Boulder $654,350
    • Broomfield $596,850
    • Clear Creek $596,850
    • Denver $596,850
    • Douglas $596,850
    • Eagle $822,250
    • Elbert $596,850
    • Garfield $765,600
    • Gilpin $596,850
    • Jefferson $596,850
    • Lake $625,000
    • Park $596,850
    • Pitkin $765,600
    • Routt $678,500
    • San Miguel $649,750
    • Summit $822,375
    • All other areas $548,250
  • CT
    VA Loan Limits by County
    • Fairfield $601,450
    • All other areas $548,250
  • DE
    VA Loan Limits by County
    • All areas $548,250
  • FL
    VA Loan Limits by County
    • All areas $548,250
  • GA
    VA Loan Limits by County
    • All areas $548,250
  • HI
    VA Loan Limits by County
    • Hawaii $822,375
    • Honolulu $822,375
    • Kalawao $822,375
    • Kauai $822,375
    • Maui $822,375
  • ID
    VA Loan Limits by County
    • Blaine $625,500
    • Camas $625,500
    • Lincoln $625,500
    • Teton $822,375
    • All other areas $548,250
  • IL
    VA Loan Limits by County
    • All areas $548,250
  • IN
    VA Loan Limits by County
    • All areas $548,250
  • IA
    VA Loan Limits by County
    • All areas $548,250
  • KS
    VA Loan Limits by County
    • All areas $548,250
  • KY
    VA Loan Limits by County
    • All areas $548,250
  • LA
    VA Loan Limits by County
    • All areas $548,250
  • ME
    VA Loan Limits by County
    • All areas $548,250
  • MD
    VA Loan Limits by County
    • Calvert $822,375
    • Charles $822,375
    • Frederick $822,375
    • Montgomery $822,375
    • Prince George's $822,375
    • All other areas $548,250
  • MA
    VA Loan Limits by County
    • Dukes $822,375
    • Essex $724,500
    • Middlesex $724,500
    • Nantucket $822,375
    • Norfolk $724,500
    • Plymouth $724,500
    • Suffolk $724,500
    • All other areas $548,250
  • MI
    VA Loan Limits by County
    • All areas $548,250
  • MN
    VA Loan Limits by County
    • All areas $548,250
  • MS
    VA Loan Limits by County
    • All areas $548,250
  • MO
    VA Loan Limits by County
    • All areas $548,250
  • MT
    VA Loan Limits by County
    • All areas $548,250
  • NE
    VA Loan Limits by County
    • All areas $548,250
  • NV
    VA Loan Limits by County
    • All areas $548,250
  • NH
    VA Loan Limits by County
    • Rockingham $724,500
    • Strafford $724,500
    • All other areas $548,250
  • NJ
    VA Loan Limits by County
    • Bergen $822,375
    • Essex $822,375
    • Hudson $822,375
    • Hunterdon $822,375
    • Middlesex $822,375
    • Monmouth $822,375
    • Morris $822,375
    • Ocean $822,375
    • Passaic $822,375
    • Somerset $822,375
    • Sussex $822,375
    • Union $822,375
    • All other areas $548,250
  • NM
    VA Loan Limits by County
    • All areas $548,250
  • NY
    VA Loan Limits by County
    • Bronx $822,375
    • Dutchess $726,525
    • Kings $822,375
    • Nassau $822,375
    • New York $822,375
    • Orange $726,525
    • Putnam $822,375
    • Queens $822,375
    • Richmond $822,375
    • Rockland $822,375
    • Suffolk $822,375
    • Westchester $822,375
    • All other areas $548,250
  • NC
    VA Loan Limits by County
    • Camden $625,500
    • Pasquotank $625,500
    • Perquimans $625,500
    • All other areas $548,250
  • ND
    VA Loan Limits by County
    • All areas $548,250
  • OH
    VA Loan Limits by County
    • All areas $548,250
  • OK
    VA Loan Limits by County
    • All areas $548,250
  • OR
    VA Loan Limits by County
    • All areas $548,250
  • PA
    VA Loan Limits by County
    • Pike $822,375
    • All other areas $548,250
  • RI
    VA Loan Limits by County
    • All areas $548,250
  • SC
    VA Loan Limits by County
    • All areas $548,250
  • SD
    VA Loan Limits by County
    • All areas $548,250
  • TN
    VA Loan Limits by County
    • Cannon $586,500
    • Cheatham $586,500
    • Davidson $586,500
    • Dickson $586,500
    • Macon $586,500
    • Maury $586,500
    • Robertson $586,500
    • Rutherford $586,500
    • Smith $586,500
    • Sumner $586,500
    • Trousdale $586,500
    • Williamson $586,500
    • Wilson $586,500
    • All other areas $548,250
  • TX
    VA Loan Limits by County
    • All areas $548,250
  • UT
    VA Loan Limits by County
    • Box Elder $646,300
    • Davis $646,300
    • Morgan $646,300
    • Salt Lake $600,300
    • Summit $817,650
    • Tooele $600,300
    • Wasatch $817,650
    • Weber $646,300
    • All other areas $548,250
  • VT
    VA Loan Limits by County
    • All areas $548,250
  • VA
    VA Loan Limits by County
    • Alexandria City $822,375
    • Arlington $822,375
    • Clarke $822,375
    • Culpeper $822,375
    • Fairfax $822,375
    • Fairfax City $822,375
    • Falls Church City $822,375
    • Fauquier $822,375
    • Fredericksburg City $822,375
    • Loudoun $822,375
    • Madison $822,375
    • Manassas Park City $822,375
    • Prince William $822,375
    • Rappahannock $822,375
    • Spotsylvania $822,375
    • Stafford $822,375
    • Warren $822,375
    • All other areas $548,250
  • WA
    VA Loan Limits by County
    • King $776,250
    • Pierce $776,250
    • Snohomish $776,250
    • All other areas $548,250
  • WV
    VA Loan Limits by County
    • All areas $548,250
  • WI
    VA Loan Limits by County
    • All areas $548,250
  • WY
    VA Loan Limits by County
    • All areas $548,250
  • DC
    VA Loan Limits by County
    • District Of Columbia $822,375

About VA Loan Limits

The standard VA loan limit is $548,250 for most U.S. counties in 2021, an increase from $510,400 in 2020. For more expensive housing markets in the continental U.S., VA loan limits reach all the way up to $822,375 for 2021, up from $765,600 in 2020.

VA loan limits do not represent a cap or max loan amount. Veterans with their full entitlement can get as much as a lender is willing to give them without needing a down payment. However, Veterans with one or more active VA loans or who have defaulted on a previous VA loan will encounter the limits, which will in part determine their zero-down buying power.

VA Loan Limit Example

Let’s assume you’re currently using $60,000 of your VA loan entitlement and want to purchase a new home in a standard cost county ($548,250 loan limit). Because the VA guarantees a quarter of the loan amount, the maximum entitlement in this county is currently $137,062.

Generally, here’s how the loan limit calculations would look:

  • $137,062 - $60,000 in current entitlement = $77,062 remaining entitlement
  • $77,062 remaining entitlement x 4 = $308,250

That $308,250 figure represents how much you could borrow before needing to make a down payment. This Veteran could buy with $0 down all the way up to $308,250. Purchasing above that mark would require a down payment equal to 25 percent of the difference between that ceiling and the purchase price.