2019 VA County Limits

The list for 2019 VA Loan Limits goes as follows:

VA Loan Limits in 2019, which begin at $484,100, are not limits on the total amount a VA loan candidate is eligible to borrow. Instead, each VA Loan Limit assists eligible VA Loan candidates in calculating exactly how much he or she can borrow with requiring a VA down payment. VA Home loans can absolutely be purchased above 2019 VA Loan Limits, but this approach mandates a VA down payment on the property – which is equal to 25% of the difference between 2019 VA loan limits and the original purchase cost of a VA Home Loan.

2019 VA Loan Limits

Alabama VA Loan Limits by County

  • All areas $453,100

Alaska VA Loan Limits by County

  • Aleutians East $679,650

  • Aleutians West $679,650

  • Anchorage $679,650

  • Bethel $679,650

  • Bristol Bay $679,650

  • Denali $679,650

  • Dillingham $679,650

  • Fairbanks North Star $679,650

  • Haines $679,650

  • Juneau $679,650

  • Kenai Peninsula $679,650

  • Ketchikan Gateway $679,650

  • Kodiak Island $679,650

  • Lake And Peninsula $679,650

  • Matanuska Susitna $679,650

  • Nome $679,650

  • North Slope $679,650

  • Northwest Arctic $679,650

  • Prince Of Wales Hyder $679,650

  • Sitka $679,650

  • Skagway $679,650

  • Southeast Fairbanks $679,650

  • Valdez Cordova $679,650

  • Wade Hampton $679,650

  • Wrangell $679,650

  • Yakutat $679,650

  • Yukon Koyukuk $679,650

  • All other areas $453,100

Arizona VA Loan Limits by County

  • All areas $453,100

Arkansas VA Loan Limits by County

  • All areas $453,100

California VA Loan Limits by County

  • Alameda $679,650

  • Alpine $463,450

  • Contra Costa $679,650

  • El Dorado $517,500

  • Los Angeles $679,650

  • Marin $679,650

  • Mono $529,000

  • Monterey $615,250

  • Napa $679,650

  • Nevada $477,250

  • Orange $679,650

  • Placer $517,500

  • Sacramento $517,500

  • San Benito $679,650

  • San Diego $649,750

  • San Francisco $679,650

  • San Luis Obispo $615,250

  • San Mateo $679,650

  • Santa Barbara $625,500

  • Santa Clara $679,650

  • Santa Cruz $679,650

  • Solano $460,000

  • Sonoma $648,600

  • Ventura $672,750

  • Yolo $517,500

  • All other areas $453,100

ColoradoVA Loan Limits by County

  • Adams $529,000

  • Arapahoe $529,000

  • Boulder $578,450

  • Broomfield $529,000

  • Clear Creek $529,000

  • Denver $529,000

  • Douglas $529,000

  • Eagle $679,650

  • Elbert $529,000

  • Garfield $679,650

  • Gilpin $529,000

  • Jefferson $529,000

  • Lake $625,500

  • Park $529,000

  • Pitkin $679,650

  • Routt $625,500

  • San Miguel $625,500

  • Summit $625,500

  • All other areas $453,100

Connecticut VA Loan Limits by County

  • Fairfield $601,450

  • All other areas $453,100

Delaware VA Loan Limits by County

  • All areas $453,100

Florida VA Loan Limits by County

  • Monroe$529,000

  • All other areas $453,100

Georgia VA Loan Limits by County

  • Greene $515,200

  • All other areas $453,100

Hawaii VA Loan Limits by County

  • Hawaii $679,650

  • Honolulu $721,050

  • Kauai $713,000

  • Maui $679,650

  • All other areas $453,100

Idaho VA Loan Limits by County

  • Blaine $625,500

  • Camas $625,500

  • Lincoln $625,500

  • Teton $679,650

  • All other areas $453,100

Illinois VA Loan Limits by County

  • All areas $453,100

Indiana VA Loan Limits by County

  • All areas $453,100

Iowa VA Loan Limits by County

  • All areas $453,100

Kansas VA Loan Limits by County

  • All areas $453,100

Kentucky VA Loan Limits by County

  • All areas $453,100

Louisiana VA Loan Limits by County

  • All areas $453,100

Maine VA Loan Limits by County

  • All areas $453,100

Maryland VA Loan Limits by County

  • Anne Arundel $517,500

  • Baltimore $517,500

  • Baltimore City $517,500

  • Calvert $679,650

  • Carroll $517,500

  • Charles $679,650

  • Frederick $679,650

  • Harford $517,500

  • Howard $517,500

  • Montgomery $679,650

  • Prince Georges $679,650

  • Queen Annes $517,500

  • All other areas $453,100

Massachusetts VA Loan Limits by County

  • Dukes $679,650

  • Essex $603,750

  • Middlesex $603,750

  • Nantucket $679,650

  • Norfolk $603,750

  • Plymouth $603,750

  • Suffolk $603,750

  • All other areas $453,100

Michigan VA Loan Limits by County

  • All areas $453,100

Minnesota VA Loan Limits by County

  • All areas $453,100

Mississippi VA Loan Limits by County

  • All areas $453,100

Missouri VA Loan Limits by County

  • All areas $453,100

Montana VA Loan Limits by County

  • All areas $453,100

Nebraska VA Loan Limits by County

  • All areas $453,100

Nevada VA Loan Limits by County

  • All areas $453,100

New Hampshire VA Loan Limits by County

  • Rockingham $603,750

  • Strafford $603,750

  • All other areas $453,100

New Jersey VA Loan Limits by County

  • Bergen $679,650

  • Essex $679,650

  • Hudson $679,650

  • Hunterdon $679,650

  • Middlesex $679,650

  • Monmouth $679,650

  • Morris $679,650

  • Ocean $679,650

  • Passaic $679,650

  • Somerset $679,650

  • Sussex $679,650

  • Union $679,650

  • All other areas $453,100

New Mexico VA Loan Limits by County

  • All areas $453,100

New York VA Loan Limits by County

  • Bronx $679,650

  • Dutchess $679,650

  • Kings $679,650

  • Nassau $679,650

  • New York $679,650

  • Orange $679,650

  • Putnam $679,650

  • Queens $679,650

  • Richmond $679,650

  • Rockland $679,650

  • Suffolk $679,650

  • Westchester $679,650

  • All other areas $453,100

North Carolina VA Loan Limits by County

  • Camden $625,500

  • Currituck $458,850

  • Gates $458,850

  • Hyde $483,000

  • Pasquotank $625,500

  • Perquimans $625,500

  • All other areas $453,100

North Dakota VA Loan Limits by County

  • All areas $453,100

Ohio VA Loan Limits by County

  • All areas $453,100

Oklahoma VA Loan Limits by County

  • All areas $453,100

Oregon VA Loan Limits by County

  • Hood River $454,250

  • All other areas $453,100

Pennsylvania VA Loan Limits by County

  • Pike $679,650

  • All other areas $453,100

Rhode Island VA Loan Limits by County

  • All areas $453,100

South Carolina VA Loan Limits by County

  • All areas $453,100

South Dakota VA Loan Limits by County

  • All areas $453,100

Tennessee VA Loan Limits by County

  • Cannon $494,500

  • Cheatham $494,500

  • Davidson $494,500

  • Dickson $494,500

  • Hickman $494,500

  • Macon $494,500

  • Maury $494,500

  • Robertson $494,500

  • Rutherford $494,500

  • Smith $494,500

  • Sumner $494,500

  • Trousdale $494,500

  • Williamson $494,500

  • Wilson $494,500

  • All other areas $453,100

Texas VA Loan Limits by County

  • All areas $453,100

Utah VA Loan Limits by County

  • Salt Lake $600,300

  • Summit $679,650

  • Tooele $600,300

  • All other areas $453,100

Vermont VA Loan Limits by County

  • All areas $453,100

Virginia VA Loan Limits by County

  • Alexandria City $679,650

  • Amelia $535,900

  • Arlington $679,650

  • Caroline $535,900

  • Charles City $535,900

  • Chesapeake City $458,850

  • Chesterfield $535,900

  • Clarke $679,650

  • Colonial Heights City $535,900

  • Culpeper $679,650

  • Cumberland $535,900

  • Dinwiddie $535,900

  • Fairfax $679,650

  • Falls Church City $679,650

  • Fauquier $679,650

  • Gloucester $458,850

  • Goochland $535,900

  • Hampton City $458,850

  • Hanover $535,900

  • Henrico $535,900

  • Hopewell City $535,900

  • Isle Of Wight $458,850

  • James City $458,850

  • King And Queen $535,900

  • King William $535,900

  • Loudoun $679,650

  • Louisa $535,900

  • Manassas Park City $679,650

  • Mathews $458,850

  • New Kent $535,900

  • Newport News City $458,850

  • Norfolk City $458,850

  • Petersburg City $535,900

  • Poquoson City $458,850

  • Portsmouth City $458,850

  • Powhatan $535,900

  • Prince George $535,900

  • Prince William $679,650

  • Rappahannock $679,650

  • Richmond City $535,900

  • Spotsylvania $679,650

  • Stafford $679,650

  • Suffolk City $458,850

  • Surry $458,850

  • Sussex $535,900

  • Virginia Beach City $458,850

  • Warren $679,650

  • York $458,850

  • All other areas $453,100

Washington VA Loan Limits by County

  • King $667,000

  • Pierce $667,000

  • San Juan $483,000

  • Snohomish $667,000

  • All other areas $453,100

West Virginia VA Loan Limits by County

  • Jefferson $679,650

  • All other areas $453,100

Wisconsin VA Loan Limits by County

  • All areas $453,100

Wyoming VA Loan Limits by County

  • Teton $679,650

  • All other areas $453,100

D.C. VA Loan Limits by County

  • District Of Columbia $679,650

About 2019 VA Loan Limits

The most common 2019 VA loan limit is $453,100 for the majority of counties in the United States, which represents an increase from $424,100 in 2018.

That means eligible VA loan candidates around the USA can instantly borrow up to $453,100 without having to put forth a VA down payment.

In other more expensive housing markets, 2019 VA loan limits extend up to $679,650 without requiring a VA down payment, which represents an increase from $636,150 in 2019 VA loan limits. In a few Hawaiian counties, the VA loan limits in 2019 are even higher.

VA Loan Limit Case:

 

In this scenario, a veteran with maximum VA loan eligibility seeking a $653,100 VA home purchase in a county with a VA loan limit of $453,100, a VA down payment of $50,000 is required. See the following VA Loan Limit formula for this breakdown: $653,100 – 453,100 = $200,000 x 25 percent. 

 

This scenario equates to a VA down payment of 8% when purchased. A conventional borrower could fork up nearly 20 percent for the same type of home purchase.

Best VA mortgage lenders usually categorize anything above the VA loan limit of $453,100 to be a VA high balance loan in higher cost counties, except where the VA loan limit is capped at $453,100. In short, with VA jumbo loans or VA high balance loans, provided the VA home loan purchase of the residence conforms within county loan limits, a veteran might not need to pay any out-of-pocket cost including a VA down payment.