2017 VA Loan Limits by County

The VA Loan Guaranty Program has loan limits for every county in the country, and for 2017 the VA loan limit for most counties is $424,100. This limit does not represent how much a qualified veteran can borrow. Rather, the VA loan limits determine the government’s maximum guaranty and at what point borrowers will need to factor in a down payment.

Veterans and military members purchasing in more expensive parts of the country have access to higher loan limits, which can reach $636,150 in the continental United States. The loan limit is even higher in a few Hawaii counties.

These higher limits help VA buyers keep pace with civilians in costlier housing markets.

The baseline VA loan limit for most of the country ($424,100) increased in 2017 for the first time in a decade. The Department of Veterans Affairs currently uses the one-unit limit set by the Federal Housing Agency, which oversees Fannie Mae and Freddie Mac. For the last 10 years, the VA loan limit for most counties was $417,000.

For VA buyers, it’s important to understand there is no maximum VA loan amount. VA loan limits are not a cap on how much you can borrow. Qualified buyers can purchase up to their county loan limit before needing to make a down payment for what’s otherwise a $0 down loan program.

Veterans who purchase above their county loan limit need to put down 25 percent of the difference between the limit and the purchase price of the home.

VA lenders will typically consider any amount above $424,100 to be a jumbo loan, which can mean more stringent credit and asset requirements.

Use the chart below or our VA Loan Limit calculator to see the current VA loan limit for your area.

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

Honolulu, HI 96819

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

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

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.