VA Loan Limits 2023

Are you looking for a VA guaranteed loan? You may be interested in knowing the maximum amount you are entitled to borrow. Many borrowers are shocked to learn there is no fixed VA loan maximum. Although, the VA’s guaranty only extends up to a specific amount.

Key Factors

  • See your state’s VA loan limits below with a simple click on your state.
  • Lenders set a maximum loan amount not the VA.
  • VA loan limits are not applicable to Borrowers with full entitlement.


What is the maximum amount I can borrow with a VA home loan?

According to the VA guidelines there is no maximum amount you can borrow with a VA loan. Eligible borrowers with full VA entitlement can buy as much as they qualify for and approved for in underwriting. A down payment is necessary in cases where you don’t qualify for 0 down.  You might not qualify for 0 down if your trying to buy a house that doesn’t appraise for the purchase price and you want the home so much that you decide to make up the difference.  

Full VA entitlement occurs when you’re using your VA loan benefit for the first time and if you pay off your current va loan before buying again. The Department of Veterans Affairs (VA) guidelines restrict VA buyers without full VA entitlement to follow the VA loan limits that you’ll find below.

VA loan limits aren’t a max on what you can borrow. You can still borrow as much as a lender deems affordable. VA loan limits are a max on what you can buy without a down payment and not a max on what you can borrow.

What are current VA loan limits?

The current maximum guarantee authorized by the VA in most parts of the country is $726,200. VA loan limits increase based on the area. In certain high-cost counties, VA loan limits can exceed $1,089,300.

You can find a complete list of VA loan limits by state and county below.  Greyed out states with out links represent states we aren’t lending in so you can go to 

Updated 2023 VA Loan Limits

Qualifying customers can now apply for a regular VA Loan with $0 down up to the county limit. To see the $0 down amount for the single family home limit in your county, see below your desired state. States greyed out means we don’t lend there so go to

Alabama VA Loan Limits
(includes VA limits in Florence, Sheffield, Fort Payne, Hamilton, Jasper, Birmingham, Northport, Tuscaloosa, Selma, Montgomery, Eufaula, Monroeville, Dothan, Mobile, Daphne…)

Alaska VA Loan Limits
(includes VA limits in Barrow, Nome, Fairbanks, Bethel, Anchorage, Homer, Seward, Kodiak, Unalaska, Juneau, Sitka, Petersburg…)

Arizona VA Loan Limits
(includes VA limits in Bullhead City, Tuba City, Flagstaff, Winslow, Prescott, Phoenix, Scottsdale, Mesa, Tempe, Florence, Casa Grande, Yuma, Flowing Wells, Tucson, Green Valley, Douglas…)

Arkansas VA Loan Limits
(includes VA limits in Springdale, Pocohontas, Fayetteville, Van Buren, Mountain View, Fort Smith, Russellville, Searcy, Little Rock, West Helena, Hot Springs, Arkadelphia, Pine Bluff, Camden, Magnolia, El Dorado…)

California VA Loan Limits
(includes VA limits in Arcala, Eureka, Redding, Chico North, Paradise, Ukiah, Linda, Santa rosa, Sacraento, Napa, Lodi, San Francisco, San Jose, Turlock, Los Banos, Santa Cruz, Fresno, Visalia, Porterville, Atascadero, Ridgecrest, Bakersfield, Santa Maria, Barstow, Santa Barbara, Thousand Oaks, Los Angeles, Santa Ana, Laguna Beach, San Diego, El Centro…)

Colorado VA Loan Limits
(includes VA limits in Craig, Rangely, Fort Collins, Greeley, Sterling, Yuma, Boulder, Westminster, Denver, Castle Rock, Glenwood Springs, Black Forest, Buena Vista, Colorado Springs, Lincoln Park, Pueblo, Montrose, La Junta, Walsenburg, Monte Vista, Cortez, Durango, Alamosa, Trinidad…)

Connecticut VA Loan Limits
(includes VA limits in Winsled, Windsor Locks, Bristol, Hartford, Danielson, Norwich, Groton, New Milford, Danbury, Starford, Norwalk, Stamford…)

Delaware VA Loan Limits
(includes VA limits in Newark, Claymont, Brookside, Middletown, Dover, Harrington, Lewes, Seaford, Laurel…)

District of Columbia VA Loan Limits
(Washington, D.C.)

Florida VA Loan Limits
(includes VA limits in Pensacola, Fort Walton Beach, Panama City, Tallahassee, Jacksonville Beach, Lakeside, St. Augustine, Palatka, Gainesville, Ocala, Daytona Beach, Deltona, Leesburg, Orlando, Merritt Island, Cocoa Beach, Melbourne, Vero Beach, Fort Pierce, Port St. Lucie, Riviera Beach, West Palm Beach, Boca Raton, Pompano Beach, Fort Lauderdale, Miami Beach, Belle Glade, Hialeah, Miami, Cutler Ridge, Homestead, Key West, East Naples, Fort Myers, Englewood, Venice, Sarasota Springs, St. Petersburg, Largo Tampa, Clearwater, Kissimmee, New Port Richey…)

Georgia VA Loan Limits
(includes VA limits in Dalton, Rome, Atlanta, East Point, La Grange, Columbus, Americus, Albany, Tifton, Moultrie, Valdosta, Brunswick, Hinesville, Savannah, Statesboro, Macon, Augusta, Covington, Athens, Gainesville…)

Hawaii VA Loan Limits
(includes VA limits in Lihue, Honolulu, Kaunakakai, Wailuka, Hawi, Hilo, Captain Cook…)

Idaho VA Loan Limits
(includes VA limits in Sandpoint, Post Falls, Osburn, Moscow, Lewiston, Grangeville, Salmon, Weisner, Boise City, Ketchum, St. Anthony, Idaho Falls, Blackfoot, Mountain Home, Soda Springs, Buhl, Twin Falls, Montpelier…)

Illinois VA Loan Limits
(includes VA limits in Rockford, Sterling, Rock Island, Kewanee, Monmouth, Macomb, Lincoln, Springfirld, Quincy, Jacksonville, Waukegan, Oak Lawn, Joliet, Kankakee, Normal, Decatur, Charlston, Effingham, Alton, East St. Louis, Centralia, Mount Vernon, Harrisburg, Carbondale…)

Indiana VA Loan Limits
(includes VA limits in East Chicago, Gary, Logansport, Kokomo, Crawfordsville, Indianapolis, Terre Haute, Vincennes, Evansville, New Albany, Madison, Bloomington, Shelbyville, Anderson, Muncie, Grant, Wabash, Fort Wayne, South Bend…)

Iowa VA Loan Limits
(includes VA limits in Spencer, Sioux City, Council Bluffs, Fort Dodge, Boone, Ames, Urbandale, Des Moines, Oskaloosa, Burlington, Keokuk, Davenport, Cedar Rapids, Dubuque, Wateloo, Cedar Falls, Mason City…)

Kansas VA Loan Limits
(includes VA limits in Norton, Colby, Garden City, Liberal, Hays, Great Bend, Hutchinson, Dodge City, Minneapolis, Salina, McPherson, Newton, El Dorado, Arkansas City, Wichita, Atchinson, Kansas City, Topeka, Ottowa, Emporia, Chanute, Pittsburg…)

Kentucky VA Loan Limits
(includes VA limits in Fort Thomas, Erlanger, Florence, Ashland, Frankfort, Lexington, Richmond, Somerset, Middlesborough, Elizabethtown, Louisville, Owensboro, Hopkinsville, Fort Campbell North, Mayfield, Paducah, Madisonville, Henderson…)

Louisiana VA Loan Limits
(includes VA limits in Minden, Bastrop, Monroe, Bossier city, Tallulah, Natchitoches, Alexandria, Pinieville, Fort Polk South, De Ridder, Lafayette, Abbeville, New Iperia, Morgan City, Bayou Cane, New Orleans, Baton Rouge, Bogalusa…)

Maine VA Loan Limits
(includes VA limits in Madawaska, Fort Fairfield, Presque Isle, Houlton, East Millinocket, Dover-Foxcroft, Calais, Bangor, Bar Harbor, Waterville, Madison, Romford, Augusta, Lewiston, Auburn, Brunswick, Portland, Biddeford, Sanford, Kittery…)

Maryland VA Loan Limits
(includes VA limits in Lexington Park, Salisbury, Cambridge, St. Charles, Annapolis, Balrimore, Townson, Bethesda, Columbia, Frederick, Hagerstown, Cumberland, Oakland…)

Massachusetts VA Loan Limits
(includes VA limits in North Adams, Pittsfield, Springfield, Gardner, Worcester, Newburyport, Salem, Boston, Taunton, Fall River, New Bedford, Nantucket…)

Michigan VA Loan Limits
(includes VA limits in Ontonagon, Iron Mountain, Marquette, Sault Ste. Marie, Crystal Falls, Escanaba, Menominee, Alpena, Traverse City, Cadillac, Bay City, Saginaw, Port Huron, Pontiac, Detroit, Dearborn, Adrian, Ann Arbor, Farmington Hills, Lansing, Niles, Kalamazoo, Holland, Grand Rapids, Muskegon, Big Rapids…)

Minnesota VA Loan Limits
(includes VA limits in Hallock, Big Falls, Grand Marais, Bemidji, Hibbing, Virginia, Duluth, Moorhead, Fergus Falls, Brainerd, St. Cloud, Willmar, Minneapolis, St. Paul, Northfield, Faribault, New Ulm, Marshall, Owatonna, Rochester, Fairmont, Worthington…)

Mississippi VA Loan Limits
(includes VA limits in Gulfport, Picayune, McComb, Brookhaven, Laurel, Hattiesburg, Vicksburg, Jackson, Canton, De Kalb, Yazoo City, Greenwood, Columbus, Grenada, Clarksdale, Tupelo, Southaven, Corinth…)

Missouri VA Loan Limits
(includes VA limits in Maryville, Milan, Kirksville, St. Joseph, Brookfield, Hannibal, Moberly, Liberty, Kansas City, Warrensburg, Columbia, Mexico, St. Charles, St. Louis, Jefferson City, Arnold, Rolla, Perryville, Cape Girardeau, Sikeston, Poplar, Kennett, Joplin, Springfield, Carthage, Fort Leonard Wood…)

Montana VA Loan Limits
(includes VA limits in Libby, Cut Bank, Kalispell, Poison, Missoula, Deer Lodge, Butte Silver Bow, Helena, Great Falls, Conrad, Havre, Malta, Lewistown, Roundup, Billings, Hardin, Forsyth, Jordan, Glasgow, Plentywood, Wolf Point, Glendive, Miles City…)

Nebraska VA Loan Limits
(includes VA limits in Chadron, Scottsbluff, Kimball, Gordon, Valentine, Ainsworth, O’Neill, South Sioux City Norfolk, Mullen, Broken Bow, Columbus, Ord, Fremont, Omaha, Bellevue, Lincoln, Beatrice, Superior, Hastings, Grand Island, North Platte, Broken Bow, Kearney, Imperial, McCook…)

Nevada VA Loan Limits
(includes VA limits in Winnemucca, Elko, Battle Mountain, Sparks, Fallon, Reno, Carson City, Gardnerville Ranchos, Hawthorne, Tonopah, Caliente, Ely, Las Vegas, Paradise, Boulder City…)

New Hampshire VA Loan Limits
(includes VA limits in Berlin, Lancaster, Littleton, North Conway, Plymouth, Levanon, Claremont, Concord, Manchester, Derry, Nashua, Keene…)

New Jersey VA Loan Limits
(includes VA limits in Newton, Paterson, Newark, Edison, Stanton, Trenton, Camden, Cherry Hill, Salem, Vineland…)

New Mexico VA Loan Limits
(includes VA limits in Shiprek, Farmington, Taos, Raton, Clayton, Los Alamos, Santa Fe, Las Vegas, Tucumcare, Santa Rosa, Clovis, Roswell, Artesia, Carlsbad, Las Cruces, Deming, Lordsburg, Alamogordo, Truth Or Consequences, Socorro, South Valley, North Valley Gallup, Albuquerque…)

New York VA Loan Limits
(includes VA limits in Massena, Potsdam, Plattsburgh, Ogdensburg, North Ebs, Watertown, Fulton, Syracuse, Cortland, Binghamton, Monticello, Newburgh, New City, Yonkers, New York City, Peekskill, White Plains, Hampton Bays, Elmira, Ithaca, Corning, Rochester, Lockport, Niagara Falos, Buffalo, Jamestown, Thurman, Glens Falls, Saratoga Springs, Albany, Chatham, Catskill, Kingston, Poughkeepsie, Oneonta, Schenectady, Utica, Rome…)

North Carolina VA Loan Limits
(includes VA limits in Murphy, Asheville, Morganton, Boone, Lenoir, Salisbury, Charlotte, Monroe, Albemarie, High Point, Greensboro, Eden, Henderson, Durham, Raleigh, Cary, Fayetteville, Lumberton, Wilmington, Camp Lejeune, Havelock, Kinston, Greenville, Elizabeth City…)

North Dakota VA Loan Limits
(includes VA limits in Crosby, Williston, Watford City, Hazen, Beach, Dickenson, Bowman, Mandan, Bismarck, Ashley, Oakes, Lisbon, Fargo, Jamestown, Carrington, Mayville, Grand Forks, Harvey, Devils Lake, Grafton, Langdon, Bottineau, Rugby, Minot…)

Ohio VA Loan Limits
(includes VA limits in Toledo, Bryabn, Defiance, Findlay, Lima, Sidney, Springfield, Dayton, Wilmingron, Cincinnati, Portsmouth, Ironton, Athens, Marietta, Lancaster, Columbus, Newark, Delaware, Mansfield, Tiffin, Elyria, Cleveland, Parma, Warren, Akron, Canton, Dover, Cambridge…)

Oklahoma VA Loan Limits
(includes VA limits in Boise City, Guyman, Woodward, Ponca City, Enid Stillwater, Elk City, Olkahoma City, Edmond, Norman, Chickasha, Ada, Altus, Lawton, Ardmore, Durant, McAlester, Okmulgee, Broken Arrow, Tulsa, Claremore, Bartlesville…)

Oregon VA Loan Limits
(includes VA limits in Astoria, Portland, Oregon City, woodburn, Salem, Albany, Lebanon, Springfield, Eugene, Coos Bay, Roseburg, Grants Pass, Medford, Ashland, Klamath Falls, Altamont, Bend, City Of The Dalles, Pendleton, Enterprise, La Grande, John Day, Ontario, Burns, Hines…)

Pennsylvania VA Loan Limits
(includes VA limits in Erie, Meadville, Oil City, New Castle, Butler, Penn Hills, Pitsburgh, Uniontown, Bradford, Williamsport, Sunbury, Towanda, Altoona, Harrisvurg, Bedford, Chambersburg, Montrose, Scranton, Willkes-Barre, Easton, Bethlemem, Allentown, Levitown, Philadelphia…)

Rhode Island VA Loan Limits
(includes VA limits in Woonsocket, Glocester, Providence, Coventry, Newport, Westerly…)

South Carolina VA Loan Limits
(includes VA limits in Easley, Greenville, Laurens, Greenwood, Columbia, Cayce, Aiken, Barnwell, Rock Hill, Bennettsville, Florence, Conway, Myrtle Beach, Georgetown, Goose Creek, Charleston, Hilton Head Island…)

South Dakota VA Loan Limits
(includes VA limits in Buffalo, Bison, Belle Fourche, Sturgis, Lead, Rapid City, Hot Springs, Pine Ridge, Winner, Chamberlain, Pierre, Cherry Creek, Mobridge, Yankton, Canton, Sioux Falls, Mitchell, Madison, Brookngs, Huron, Redfield, Watertown, Milbank, Aberdeen, Sisseton…)

Tennessee VA Loan Limits
(includes VA limits in Memphis, Bolivar, Jackson, Hujboldt, Union City, Paris, Clarksville, Nashville, Franklin, Columbia, Shelvybille, Chattanooga, Athens, Maryville, Knoxville, Oneida, Greeneville, Elizabethton…)

Texas VA Loan Limits
(includes VA limits in Dalhart, Amarillo, Canyon, Wichita Falls, Lubbock, Denton, Arlington, Dallas, Fort Worth, Abilene, Snyder, Texarkana, El Paso, Pecos, Van Horn, Fort Stockton, Ozona, San Angelo, Odessa, Mdland, Del Rio, Eagle Pass, Carrizo Springs, Laredo, Rio Grande City, Brownsville, Corpus Christi, Portland, Port Lavaca, San Antonio, Galvestion, Houston, Beaumont, Austin, College Station, Lufkin, Nacogdoches, Waco…)

Utah VA Loan Limits
(includes VA limits in Logan, Brigham City, Ogden, Salt Lake City, Megna, Murray, Sandy, Orem Provo, Maeser, Roosevelt, Helper, Nephi, Mount Pleasant, Fillmore, richfield, Moab, Loa, Milford, Panguitch, Monticello, Hurricane, Kanab, Mexican Hat…)

Vermont VA Loan Limits
(includes VA limits in Newport, Swanton, Island Pond, Burlington, Montpelier, Middlebury, Rutland, Woodstock, Springfield, Arlington, Brattleboro…)

Virginia VA Loan Limits
(includes VA limits in Briston, Marion, Blacksburg, Martinsville, Danville, Roakoak, Lynchburg, Richmond, Newport News, Chesapeake, Virginia Beach, Exmore, Onancock, Charlottesville, Fredericksburg, Staunton, Harrisburg, Front Royal Winchester, Arlington, Alexandria, Manassas…)

Washington VA Loan Limits
(includes VA limits in Bellingham, Mount Vernon, Oak Harvor, Port Angeles, North Marysville, Everett, Bremerton, Seattle, Tacoma, Olympia, Aberdeen, Centralia, Longview, Vancouver, Goldendale, Yakima, Ellensburg, Richland, Kennewick, Walla Walla, Pullman, Moses Lake, East Wenatchee Bench, Spokane, Newport, Omak, Kettle Falls…)

West Virginia VA Loan Limits
(includes VA limits in Weirton, Wheeling, Moundsville, Fairmont, Parkersburt, Clarksburg, Martinsburg, Charles Town, Moorefield, Elkins, Glenville, Poin Pleasant, Huntington, Charleston, South Charleston, Madison, Beckley, Lewisburg, Marlinton, Beckley, Welch, Bluefield…)

Wisconsin VA Loan Limits
(includes VA limits in Superior, Ashland, Mercer, Shell Lake, Rhinelander, Crandon, Marinette, Wausau, Menomonie, Eau Claire, Marshfield, Green Bay, Wisconsin Rapids, Appleton, Menasha, Oshkosh, Two Rivers, Fond Du Lac, La Crosse, Beaver Dam, Sheboygan, Menoonee Falls, Madison, Richland Center, Madison, Milwaukee, Lancaster, Racine, Kenosha, Monroe…)

Wyoming VA Loan Limits
(includes VA limits in Evanston, Kemmerer, Green River, Rock Springs, Rawins, Saratoga, Cheyenne, Torrington, Douglas, Paradise Valley, Casper, Lender, Riverton, Jackson, Thermopolis, Worland, Powell, Cody, Lovell, Sheridan, Greybull, Buffalo, Gullette, Newcastle…A