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
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All areas $453,100
Alaska VA Loan Limits by County
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Aleutians East $679,650
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Aleutians West $679,650
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Anchorage $679,650
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Bethel $679,650
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Bristol Bay $679,650
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Denali $679,650
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Dillingham $679,650
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Fairbanks North Star $679,650
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Haines $679,650
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Juneau $679,650
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Kenai Peninsula $679,650
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Ketchikan Gateway $679,650
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Kodiak Island $679,650
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Lake And Peninsula $679,650
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Matanuska Susitna $679,650
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Nome $679,650
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North Slope $679,650
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Northwest Arctic $679,650
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Prince Of Wales Hyder $679,650
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Sitka $679,650
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Skagway $679,650
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Southeast Fairbanks $679,650
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Valdez Cordova $679,650
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Wade Hampton $679,650
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Wrangell $679,650
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Yakutat $679,650
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Yukon Koyukuk $679,650
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All other areas $453,100
Arizona VA Loan Limits by County
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All areas $453,100
Arkansas VA Loan Limits by County
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All areas $453,100
California VA Loan Limits by County
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Alameda $679,650
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Alpine $463,450
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Contra Costa $679,650
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El Dorado $517,500
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Los Angeles $679,650
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Marin $679,650
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Mono $529,000
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Monterey $615,250
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Napa $679,650
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Nevada $477,250
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Orange $679,650
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Placer $517,500
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Sacramento $517,500
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San Benito $679,650
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San Diego $649,750
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San Francisco $679,650
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San Luis Obispo $615,250
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San Mateo $679,650
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Santa Barbara $625,500
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Santa Clara $679,650
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Santa Cruz $679,650
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Solano $460,000
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Sonoma $648,600
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Ventura $672,750
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Yolo $517,500
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All other areas $453,100
ColoradoVA Loan Limits by County
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Adams $529,000
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Arapahoe $529,000
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Boulder $578,450
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Broomfield $529,000
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Clear Creek $529,000
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Denver $529,000
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Douglas $529,000
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Eagle $679,650
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Elbert $529,000
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Garfield $679,650
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Gilpin $529,000
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Jefferson $529,000
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Lake $625,500
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Park $529,000
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Pitkin $679,650
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Routt $625,500
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San Miguel $625,500
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Summit $625,500
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All other areas $453,100
Connecticut VA Loan Limits by County
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Fairfield $601,450
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All other areas $453,100
Delaware VA Loan Limits by County
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All areas $453,100
Florida VA Loan Limits by County
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Monroe$529,000
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All other areas $453,100
Georgia VA Loan Limits by County
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Greene $515,200
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All other areas $453,100
Hawaii VA Loan Limits by County
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Hawaii $679,650
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Honolulu $721,050
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Kauai $713,000
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Maui $679,650
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All other areas $453,100
Idaho VA Loan Limits by County
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Blaine $625,500
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Camas $625,500
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Lincoln $625,500
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Teton $679,650
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All other areas $453,100
Illinois VA Loan Limits by County
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All areas $453,100
Indiana VA Loan Limits by County
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All areas $453,100
Iowa VA Loan Limits by County
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All areas $453,100
Kansas VA Loan Limits by County
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All areas $453,100
Kentucky VA Loan Limits by County
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All areas $453,100
Louisiana VA Loan Limits by County
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All areas $453,100
Maine VA Loan Limits by County
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All areas $453,100
Maryland VA Loan Limits by County
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Anne Arundel $517,500
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Baltimore $517,500
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Baltimore City $517,500
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Calvert $679,650
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Carroll $517,500
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Charles $679,650
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Frederick $679,650
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Harford $517,500
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Howard $517,500
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Montgomery $679,650
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Prince Georges $679,650
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Queen Annes $517,500
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All other areas $453,100
Massachusetts VA Loan Limits by County
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Dukes $679,650
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Essex $603,750
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Middlesex $603,750
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Nantucket $679,650
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Norfolk $603,750
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Plymouth $603,750
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Suffolk $603,750
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All other areas $453,100
Michigan VA Loan Limits by County
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All areas $453,100
Minnesota VA Loan Limits by County
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All areas $453,100
Mississippi VA Loan Limits by County
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All areas $453,100
Missouri VA Loan Limits by County
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All areas $453,100
Montana VA Loan Limits by County
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All areas $453,100
Nebraska VA Loan Limits by County
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All areas $453,100
Nevada VA Loan Limits by County
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All areas $453,100
New Hampshire VA Loan Limits by County
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Rockingham $603,750
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Strafford $603,750
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All other areas $453,100
New Jersey VA Loan Limits by County
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Bergen $679,650
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Essex $679,650
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Hudson $679,650
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Hunterdon $679,650
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Middlesex $679,650
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Monmouth $679,650
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Morris $679,650
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Ocean $679,650
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Passaic $679,650
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Somerset $679,650
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Sussex $679,650
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Union $679,650
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All other areas $453,100
New Mexico VA Loan Limits by County
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All areas $453,100
New York VA Loan Limits by County
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Bronx $679,650
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Dutchess $679,650
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Kings $679,650
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Nassau $679,650
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New York $679,650
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Orange $679,650
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Putnam $679,650
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Queens $679,650
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Richmond $679,650
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Rockland $679,650
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Suffolk $679,650
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Westchester $679,650
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All other areas $453,100
North Carolina VA Loan Limits by County
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Camden $625,500
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Currituck $458,850
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Gates $458,850
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Hyde $483,000
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Pasquotank $625,500
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Perquimans $625,500
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All other areas $453,100
North Dakota VA Loan Limits by County
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All areas $453,100
Ohio VA Loan Limits by County
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All areas $453,100
Oklahoma VA Loan Limits by County
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All areas $453,100
Oregon VA Loan Limits by County
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Hood River $454,250
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All other areas $453,100
Pennsylvania VA Loan Limits by County
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Pike $679,650
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All other areas $453,100
Rhode Island VA Loan Limits by County
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All areas $453,100
South Carolina VA Loan Limits by County
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All areas $453,100
South Dakota VA Loan Limits by County
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All areas $453,100
Tennessee VA Loan Limits by County
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Cannon $494,500
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Cheatham $494,500
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Davidson $494,500
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Dickson $494,500
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Hickman $494,500
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Macon $494,500
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Maury $494,500
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Robertson $494,500
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Rutherford $494,500
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Smith $494,500
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Sumner $494,500
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Trousdale $494,500
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Williamson $494,500
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Wilson $494,500
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All other areas $453,100
Texas VA Loan Limits by County
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All areas $453,100
Utah VA Loan Limits by County
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Salt Lake $600,300
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Summit $679,650
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Tooele $600,300
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All other areas $453,100
Vermont VA Loan Limits by County
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All areas $453,100
Virginia VA Loan Limits by County
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Alexandria City $679,650
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Amelia $535,900
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Arlington $679,650
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Caroline $535,900
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Charles City $535,900
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Chesapeake City $458,850
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Chesterfield $535,900
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Clarke $679,650
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Colonial Heights City $535,900
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Culpeper $679,650
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Cumberland $535,900
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Dinwiddie $535,900
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Fairfax $679,650
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Falls Church City $679,650
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Fauquier $679,650
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Gloucester $458,850
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Goochland $535,900
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Hampton City $458,850
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Hanover $535,900
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Henrico $535,900
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Hopewell City $535,900
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Isle Of Wight $458,850
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James City $458,850
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King And Queen $535,900
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King William $535,900
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Loudoun $679,650
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Louisa $535,900
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Manassas Park City $679,650
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Mathews $458,850
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New Kent $535,900
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Newport News City $458,850
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Norfolk City $458,850
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Petersburg City $535,900
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Poquoson City $458,850
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Portsmouth City $458,850
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Powhatan $535,900
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Prince George $535,900
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Prince William $679,650
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Rappahannock $679,650
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Richmond City $535,900
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Spotsylvania $679,650
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Stafford $679,650
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Suffolk City $458,850
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Surry $458,850
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Sussex $535,900
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Virginia Beach City $458,850
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Warren $679,650
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York $458,850
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All other areas $453,100
Washington VA Loan Limits by County
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King $667,000
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Pierce $667,000
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San Juan $483,000
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Snohomish $667,000
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All other areas $453,100
West Virginia VA Loan Limits by County
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Jefferson $679,650
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All other areas $453,100
Wisconsin VA Loan Limits by County
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All areas $453,100
Wyoming VA Loan Limits by County
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Teton $679,650
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All other areas $453,100
D.C. VA Loan Limits by County
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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.