2017 VA Loan Limits

In 2017, VA Loan Limits across the country rose in part because the national conforming loan limit changed for the first time in a decade.

Qualified homebuyers in most parts of the country can now borrow up to $424,100 before needing to factor in a down payment. The prior VA Loan Limit was set at $417,000 since 2006.

For more expensive housing markets in the continental U.S., VA loan limits reach all the way up to $636,150 for 2017, a bump of more than $10,000 from years past. The loan limit is even higher in a few Hawaii counties.

Please Understand:

VA Loan Limits, starting at $424,100, are not a cap on how much an eligible veteran can borrow. Instead, these limits help determine how much qualified veterans can borrow before needing to make a down payment. VA borrowers can absolutely purchase a home above the county loan limit, but doing so requires a down payment – typically equal to 25 percent of the difference between the VA loan limit and the purchase price of the home.

For example, a buyer wanting a $624,100 home in a regular-cost county would need a $50,000 down payment [($624,100 – 424,100 = $200,000) x 25 percent]. This example purchase comes with an 8 percent down payment. For the same home, a conventional borrower might need a 20 percent down payment.

Homebuyers that currently have a VA Loan may have some or all of their entitlement wrapped up in a previous VA Loan, which may cause the need for a down payment. You can learn more about VA Loan entitlement here.

Are VA Loans Above $424,100 Jumbo Loans?

Lenders will typically consider any loan above the conforming loan limit of $424,100 to be a VA jumbo loan, regardless of the VA loan limit for that county. However, unlike other jumbo loans, as long as the purchase price of the property is within the county loan limit, you likely won’t need a down payment. Learn more about VA jumbo loans here.

2017 VA Loan Limits for High-Cost Counties

Please note: the chart below shows high cost counties only. If your county is not listed in the chart, the VA Loan limit is $424,100.

STATE COUNTY VA LOAN LIMIT FOR 2017
AK ALEUTIANS EAST $636,150
AK ALEUTIANS WEST $636,150
AK ANCHORAGE $636,150
AK BETHEL $636,150
AK BRISTOL BAY $636,150
AK DENALI $636,150
AK DILLINGHAM $636,150
AK FAIRBANKS NORTH $636,150
AK HAINES $636,150
AK HOONAH-ANGOON $636,150
AK JUNEAU $636,150
AK KENAI PENINSULA $636,150
AK KETCHIKAN GATEWAY $636,150
AK KODIAK ISLAND $636,150
AK KUSILVAK CENSUS AREA $636,150
AK LAKE AND PENINSULA $636,150
AK MATANUSKA-SUSITNA $636,150
AK NOME $636,150
AK NORTH SLOPE $636,150
AK NORTHWEST ARCTIC $636,150
AK PETERSBURG CENSUS AREA $636,150
AK PRINCE OF WALES-HYDER $636,150
AK SITKA $636,150
AK SKAGWAY MUNICIPALITY $636,150
AK SOUTHEAST FAIRBANKS $636,150
AK VALDEZ-CORDOVA $636,150
AK WRANGELL
CITY/BOROUGH
$636,150
AK YAKUTAT CITY $636,150
AK YUKON-KOYUKUK $636,150
CA ALAMEDA $636,150
CA ALPINE $463,450
CA CONTRA COSTA $636,150
CA EL DORADO $488,750
CA LOS ANGELES $636,150
CA MARIN $636,150
CA MONO $529,000
CA MONTEREY $575,000
CA NAPA $636,150
CA NEVADA $477,250
CA ORANGE $636,150
CA PLACER $488,750
CA SACRAMENTO $488,750
CA SAN BENITO $636,150
CA SAN DIEGO $612,950
CA SAN FRANCISCO $636,150
CA SAN LUIS OBISPO $586,600
CA SAN MATEO $636,150
CA SANTA BARBARA $636,150
CA SANTA CLARA $636,150
CA SANTA CRUZ $636,150
CA SOLANO $431,250
CA SONOMA $595,700
CA VENTURA $636,150
CA YOLO $488,750
CO ADAMS $493,350
CO ARAPAHOE $493,350
CO BOULDER $529,000
CO BROOMFIELD $493,350
CO CLEAR CREEK $493,350
CO DENVER $493,350
CO DOUGLAS $493,350
CO EAGLE $636,150
CO ELBERT $493,350
CO GARFIELD $636,150
CO GILPIN $493,350
CO HINSDALE $427,800
CO JEFFERSON $493,350
CO LAKE $625,500
CO OURAY $425,500
CO PARK $493,350
CO PITKIN $636,150
CO ROUTT $625,500
CO SAN MIGUEL $625,500
CO SUMMIT $625,500
CT FAIRFIELD $601,450
DC DISTRICT OF COLUMBIA $636,150
FL COLLIER $450,800
FL MONROE $529,000
GA GREENE $515,200
GU GUAM $636,150
HI HAWAII $636,150
HI HONOLULU $721,050
HI KALAWAO $657,800
HI KAUAI $713,000
HI MAUI $657,800
ID BLAINE $625,500
ID CAMAS $625,500
ID LINCOLN $625,500
ID TETON $636,150
MA BRISTOL $426,650
MA DUKES $636,150
MA ESSEX $598,000
MA MIDDLESEX $598,000
MA NANTUCKET $636,150
MA NORFOLK $598,000
MA PLYMOUTH $598,000
MA SUFFOLK $598,000
MD ANNE ARUNDEL $517,500
MD BALTIMORE $517,500
MD BALTIMORE CITY $517,500
MD CALVERT $636,150
MD CARROLL $517,500
MD CHARLES $636,150
MD FREDERICK $636,150
MD HARFORD $517,500
MD HOWARD $517,500
MD MONTGOMERY $636,150
MD PRINCE GEORGE’S $636,150
MD QUEEN ANNE’S $517,500
MP NORTHERN ISLAND $524,400
MP SAIPAN $529,000
MP TINIAN $532,450
NC CAMDEN $625,500
NC CURRITUCK $458,850
NC GATES $458,850
NC HYDE $483,000
NC PASQUOTANK $625,500
NC PERQUIMANS $625,500
NE LINCOLN $433,660
NE LOGAN $433,660
NE MCPHERSON $433,660
NH ROCKINGHAM $598,000
NH STRAFFORD $598,000
NJ BERGEN $636,150
NJ ESSEX $636,150
NJ HUDSON $636,150
NJ HUNTERDON $636,150
NJ MIDDLESEX $636,150
NJ MONMOUTH $636,150
NJ MORRIS $636,150
NJ OCEAN $636,150
NJ PASSAIC $636,150
NJ SOMERSET $636,150
NJ SUSSEX $636,150
NJ UNION $636,150
NY BRONX $636,150
NY DUTCHESS $636,150
NY KINGS $636,150
NY NASSAU $636,150
NY NEW YORK $636,150
NY ORANGE $636,150
NY PUTNAM $636,150
NY QUEENS $636,150
NY RICHMOND $636,150
NY ROCKLAND $636,150
NY SUFFOLK $636,150
NY WESTCHESTER $636,150
PA PIKE $636,150
RI BRISTOL $426,650
RI KENT $426,650
RI NEWPORT $426,650
RI PROVIDENCE $426,650
RI WASHINGTON $426,650
TN CANNON $466,900
TN CHEATHAM $466,900
TN DAVIDSON $466,900
TN DICKSON $466,900
TN HICKMAN $466,900
TN MACON $466,900
TN MAURY $466,900
TN ROBERTSON $466,900
TN RUTHERFORD $466,900
TN SMITH $466,900
TN SUMNER $466,900
TN TROUSDALE $466,900
TN WILLIAMSON $466,900
TN WILSON $466,900
UT SALT LAKE $600,300
UT SUMMIT $636,150
UT TOOELE $600,300
VA ALBEMARLE $437,000
VA ALEXANDRIA $636,150
VA AMELIA $535,900
VA ARLINGTON $636,150
VA BUCKINGHAM $437,500
VA CAROLINE $535,900
VA CHARLES CITY $535,900
VA CHARLOTTESVILLE $437,000
VA CHESAPEAKE $458,850
VA CHESTERFIELD $535,900
VA CLARKE $636,150
VA COLONIAL HEIGHTS $535,900
VA CULPEPER $636,150
VA CUMBERLAND $535,900
VA DINWIDDIE $535,900
VA FAIRFAX $636,150
VA FAIRFAX INDEPENDENT CITY $636,150
VA FALLS CHURCH $636,150
VA FAUQUIER $636,150
VA FLUVANNA $458,850
VA FREDERICKSBURG $636,150
VA GLOUCESTER $458,850
VA GOOCHLAND $535,900
VA GREENE $437,000
VA HAMPTON $458,850
VA HANOVER $535,900
VA HENRICO $535,900
VA HOPEWELL $535,900
VA ISLE OF WIGHT $458,850
VA JAMES CITY $458,850
VA KING AND QUEEN $535,900
VA KING WILLIAM $535,900
VA LANCASTER $442,750
VA LOUDOUN $636,150
VA LOUISA $535,900
VA MANASSAS $636,150
VA MANASSAS PARK $636,150
VA MATHEWS $458,850
VA NELSON $437,000
VA NEW KENT $535,900
VA NEWPORT NEWS $458,850
VA NORFOLK $458,850
VA PETERSBURG $535,900
VA POQUOSON $458,850
VA PORTSMOUTH $458,850
VA POWHATAN $535,900
VA PRINCE GEORGE $535,900
VA PRINCE WILLIAM $636,150
VA RAPPAHANNOCK $636,150
VA RICHMOND INDEPENDENT CITY $535,900
VA SPOTSYLVANIA $636,150
VA STAFFORD $636,150
VA SUFFOLK $458,850
VA SURRY $458,850
VA SUSSEX $535,900
VA VIRGINIA BEACH $458,850
VA WARREN $636,150
VA WILLIAMSBURG $458,850
VA YORK $458,850
VI ST. CROIX $636,150
VI ST. JOHN $636,150
VI ST. THOMAS $636,150
WA KING $592,250
WA PIERCE $592,250
WA SAN JUAN $483,000
WA SNOHOMISH $592,250
WV JEFFERSON $636,150
WY TETON $636,150

If you’re looking to get started on your VA home loan, the time is right. Get the ball rolling by talking to Veterans United today.