VA Loan Limits for High-Cost Counties
Updated for 2012!
The VA loan guaranty program does not impose a maximum amount that an eligible veteran may borrow using a VA loan but limits the maximum guaranty amount to $417,000 for 2012. However, if you live in one the following counties listed below, follow the data on the chart to determine to calculate the VA's maximum guaranty amount for a particular county. These limits apply to all loans closed January 1, 2012 and afterwards.
Notes from the VA:
2012 loan limits: The procedure for calculating loan limits for 2012 has changed from 2011. VA’s previous procedure expires December 31, 2011. If Congress passes legislation permitting VA to calculate maximum guaranty as it has in the past, the numbers below could increase slightly; they will NOT decrease. If that occurs, we will post announcements and reissue this loan limit chart. Loan limits: VA does not impose a maximum amount that an eligible veteran may borrow using a VA-guaranteed loan; however loan limits establish the maximum possible guaranty on a loan. The maximum guaranty amount (available for loans over $144,000) is 25 percent of the 2012 VA Limit shown below. A veteran with full entitlement available may borrow up to the limit shown below and VA will guarantee 25 percent of the loan amount. If a veteran has previously used entitlement that has not been restored, the maximum guaranty amount available to that veteran is reduced accordingly. Lenders should check their own investor requirements regarding guaranty amounts and down payments.
Loan limits: VA does not impose a maximum amount that an eligible veteran may borrow using a VA-guaranteed loan; however loan limits establish the maximum possible guaranty on a loan. The maximum guaranty amount (available for loans over $144,000) is 25 percent of the 2012 VA Limit shown below. A veteran with full entitlement available may borrow up to the limit shown below and VA will guarantee 25 percent of the loan amount. If a veteran has previously used entitlement that has not been restored, the maximum guaranty amount available to that veteran is reduced accordingly. Lenders should check their own investor requirements regarding guaranty amounts and down payments.
NOTE: For all counties other than those listed below, the 2012 Limit is $417,000.
Regional loan center contact information is below this chart.
| STATE | COUNTY | 2012 VA LIMIT | Regional Loan Center |
AK |
ALEUTIANS EAST | $625,500 | DENVER |
| AK | ALEUTIANS WEST | $625,000 |
DENVER |
| AK | ANCHORAGE | $625,000 |
DENVER |
| AK | BETHEL | $625,000 |
DENVER |
| AK | BRISTOL BAY | $625,000 |
DENVER |
| AK | DENALI | $625,000 |
DENVER |
| AK | DILLINGHAM | $625,000 |
DENVER |
| AK | FAIRBANKS NORTH | $625,000 |
DENVER |
| AK | HAINES | $625,000 |
DENVER |
| AK | HOONAH-ANGOON | $625,000 |
DENVER |
| AK | JUNEAU | $625,000 |
DENVER |
| AK | KENAI PENINSULA | $625,000 |
DENVER |
| AK | KETCHIKAN GATEWAY | $625,000 |
DENVER |
| AK | KODIAK ISLAND | $625,000 |
DENVER |
| AK | LAKE AND PENINSULA | $625,000 |
DENVER |
| AK | MATANUSKA-SUSITNA | $625,000 |
DENVER |
| AK | NOME | $625,000 |
DENVER |
| AK | NORTHWEST ARCTIC | $625,000 |
DENVER |
| AK | NORTH SLOPE | $625,000 |
DENVER |
| AK | ST. PETERSBURG | $625,000 |
DENVER |
| AK | PRINCE OF WALES-HYDER | $625,000 |
DENVER |
| AK | SITKA | $625,000 |
DENVER |
| AK | SKAGWAY MUNICIPALITY | $625,000 |
DENVER |
| AK | SOUTHEAST FAIRBANKS | $625,000 |
DENVER |
| AK | VALDEZ-CORDOVA | $625,000 |
DENVER |
| AK | WADE HAMPTON | $625,000 |
DENVER |
| AK | WRANGELL CITY/BOROUGH |
$625,000 |
DENVER |
| AK | YAKUTAT CITY | $625,000 |
DENVER |
| AK | YUKON-KOYUKUK | $625,000 |
DENVER |
| CA | ALAMEDA | $625,000 | PHOENIX |
| CA | CONTRA COSTA | $625,000 | PHOENIX |
| CA | LOS ANGELES | $621,000 | PHOENIX |
| CA | MARIN | $625,000 | PHOENIX |
| CA | NAPA | $460,000 | PHOENIX |
| CA | ORANGE | $621,000 | PHOENIX |
| CA | SAN BENITO | $625,000 | PHOENIX |
| CA | SAN DIEGO | $477,000 | PHOENIX |
| CA | SAN FRANCISCO | $625,000 | PHOENIX |
| CA | SAN LUIS OBISPO | $457,700 | PHOENIX |
| CA | SAN MATEO | $625,000 | PHOENIX |
| CA | SANTA BARBARA | $598,000 | PHOENIX |
| CA | SANTA CLARA | $625,000 | PHOENIX |
| CA | SANTA CRUZ | $610,650 | PHOENIX |
| CA | SONOMA | $419,750 | PHOENIX |
| CA | VENTURA | $516,650 | PHOENIX |
| CO | EAGLE | $625,000 | DENVER |
| CO | LAKE | $625,000 | DENVER |
| CO | PITKIN | $625,000 | DENVER |
| CO | ROUTT | $523,250 | DENVER |
| CO | SAN MIGUEL | $625,000 | DENVER |
| CO | SUMMIT | $621,000 | DENVER |
| CT | FAIRFIELD | $601,450 | CLEVELAND |
| DC | DISTRICT OF COLUMBIA | $625,000 | ROANOKE |
| GU | GUAM | $625,000 | HONOLULU |
| HI | HAWAII | $625,000 | HONOLULU |
| HI | HONOLULU | $695,750 | HONOLULU |
| HI | KALAWAO | $625,000 | HONOLULU |
| HI | KAUAI | $625,000 | HONOLULU |
| HI | MAUI | $625,000 | HONOLULU |
| ID | TETON | $600,300 | DENVER |
| MA | DUKES | $625,500 | CLEVELAND |
| MA | ESSEX | $460,000 | CLEVELAND |
| MA | MIDDLESEX | $460,000 | CLEVELAND |
| MA | NANTUCKET | $625,500 | CLEVELAND |
| MA | NORFOLK | $460,000 | CLEVELAND |
| MA | PLYMOUTH | $460,000 | CLEVELAND |
| MA | SUFFOLK | $460,000 | CLEVELAND |
| MD | ANNE ARUNDEL | $494,500 | ROANOKE |
| MD | BALTIMORE | $494,500 | ROANOKE |
| MD | CALVERT | $625,500 | ROANOKE |
| MD | CARROLL | $478,400 | ROANOKE |
| MD | CHARLES | $625,500 | ROANOKE |
| MD | FREDERICK | $625,500 | ROANOKE |
| MD | HARFORD | $478,400 | ROANOKE |
| MD | HOWARD | $478,400 | ROANOKE |
| MD | MONTGOMERY | $625,500 | ROANOKE |
| MD | PRINCE GEORGE'S | $625,500 | ROANOKE |
| MD | QUEEN ANNE'S | $478,400 | ROANOKE |
| NH | ROCKINGHAM | $460,000 | CLEVELAND |
| NH | STRAFFORD | $460,000 | CLEVELAND |
| NJ | BERGEN | $625,500 | CLEVELAND |
| NJ | ESSEX | $625,500 | CLEVELAND |
| NJ | HUDSON | $625,500 | CLEVELAND |
| NJ | HUNTERDON | $625,500 | CLEVELAND |
| NJ | MIDDLESEX | $625,500 | CLEVELAND |
| NJ | MONMOUTH | $625,500 | CLEVELAND |
| NJ | MORRIS | $625,500 | CLEVELAND |
| NJ | OCEAN | $625,500 | CLEVELAND |
| NJ | PASSAIC | $625,500 | CLEVELAND |
| NJ | SOMERSET | $625,500 | CLEVELAND |
| NJ | SUSSEX | $625,500 | CLEVELAND |
| NJ | UNION | $625,500 | CLEVELAND |
| NY | BRONX | $625,500 | CLEVELAND |
| NY | KINGS | $625,500 | CLEVELAND |
| NY | NASSAU | $625,500 | CLEVELAND |
| NY | NEW YORK | $625,500 | CLEVELAND |
| NY | PUTNAM | $625,500 | CLEVELAND |
| NY | QUEENS | $625,500 | CLEVELAND |
| NY | RICHMOND | $625,500 | CLEVELAND |
| NY | ROCKLAND | $625,500 | CLEVELAND |
| NY | SUFFOLK | $625,500 | CLEVELAND |
| NY | WESTCHESTER | $625,500 | CLEVELAND |
| PA | PIKE | $625,500 | CLEVELAND |
| UT | SALT LAKE | $594,550 | DENVER |
| UT | SUMMIT | $594,550 | DENVER |
| UT | SALT LAKE | $594,550 | DENVER |
| UT | TOOELE | $594,550 | DENVER |
| VA | ALEXANDRIA | $625,500 | ROANOKE |
| VA | ARLINGTON | $625,500 | ROANOKE |
| VA | CLARKE | $625,500 | ROANOKE |
| VA | FAIRFAX | $625,500 | ROANOKE |
| VA | FAIRFAX IND | $625,500 | ROANOKE |
| VA | FALLS CHURCH | $625,500 | ROANOKE |
| VA | FAUQUIER | $625,500 | ROANOKE |
| VA | FREDERICKSBURG | $625,500 | ROANOKE |
| VA | LOUDUON | $625,500 | ROANOKE |
| VA | MANASSAS | $625,500 | ROANOKE |
| VA | MANASSAS PARK | $625,500 | ROANOKE |
| VA | PRINCE WILLIAM | $625,500 | ROANOKE |
| VA | SPOTSYLVANIA | $625,500 | ROANOKE |
| VA | STAFFORD | $625,500 | ROANOKE |
| VA | WARREN | $625,500 | ROANOKE |
| VI | ST. CROIX | $625,500 | ST. PETERSBURG |
| VI | ST. JOHN | $625,500 | ST. PETERSBURG |
| VI | ST. THOMAS | $625,500 | ST. PETERSBURG |
| WA | KING | $458,850 | DENVER |
| WA | PIERCE | $458,850 | DENVER |
| WA | SAN JUAN | $432,400 | DENVER |
| WA | SNOHOMISH | $458,850 | DENVER |
| WV | JEFFERSON | $625,500 | ROANOKE |
| WY | TETON | $625,500 | DENVER |
Regional Loan Center Info:
Cleveland
Department of Veterans Affairs
VA Regional Loan Center
1240 East Ninth Street
Cleveland, OH 44199
http://www.vba.va.gov/ro/cleveland/index1.htm
Denver
Department of Veterans Affairs
VA Regional Loan Center
155 Van Gordon Street
Lakewood, CO 80228
(Mail: Box 25126, Denver, CO 80225)
http://www.vba.va.gov/ro/denver/loan/lgy.htm
Honolulu
Department of Veterans Affairs
VA Regional Office
Loan Guaranty Division (26)
459 Patterson Rd.
Honolulu, HI 96819
*Although not an RLC, this office is a fully functioning Loan Guaranty operation for Hawaii.
http://www.vba.va.gov/ro/honolulu/LGY/Loan_Guaranty.html
Phoenix
Department of Veterans Affairs
VA Regional Loan Center
3333 N. Central Avenue
Phoenix, AZ 85012-2402
http://www.vba.va.gov/ro/phoenixlgy/
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.vba.va.gov/ro/roanoke/rlc
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.vba.va.gov/ro/south/spete/rlc/index.htm
For reference, below is the VA loan limit chart for 2011.
|
STATE |
COUNTY |
2011 VA LIMIT |
Regional Loan Center |
|
Alaska |
Aleutians East |
$625,500 |
Denver |
|
Alaska |
Anchorage |
$625,500 |
Denver |
|
Alaska |
Bethel |
$625,500 |
Denver |
|
Alaska |
Bristol Bay |
$625,500 |
Denver |
|
Alaska |
Denali |
$625,500 |
Denver |
|
Alaska |
Dillingham |
$625,500 |
Denver |
|
Alaska |
Fairbanks North |
$625,500 |
Denver |
|
Alaska |
Haines |
$625,500 |
Denver |
|
Alaska |
Hoonah-Angoon |
$625,500 |
Denver |
|
Alaska |
Juneau |
$625,500 |
Denver |
|
Alaska |
Kenai Peninsula |
$625,500 |
Denver |
|
Alaska |
Ketchikan Gateway |
$625,500 |
Denver |
|
Alaska |
Kodiak Island |
$625,500 |
Denver |
|
Alaska |
Lake and Peninsula |
$625,500 |
Denver |
|
Alaska |
Matanuska-Susitna |
$625,500 |
Denver |
|
Alaska |
Nome |
$625,500 |
Denver |
|
Alaska |
North Slope |
$625,500 |
Denver |
|
Alaska |
Northwest Arctic |
$625,500 |
Denver |
|
Alaska |
Petersburg |
$625,500 |
Denver |
|
Alaska |
Prince of Wales-Hyder |
$625,500 |
Denver |
|
Alaska |
Sitka |
$625,500 |
Denver |
|
Alaska |
Skagway Municipality |
$625,500 |
Denver |
|
Alaska |
Southeast Fairbanks |
$625,500 |
Denver |
|
Alaska |
Valdez-Cordova |
$625,500 |
Denver |
|
Alaska |
Wade Hampton |
$625,500 |
Denver |
|
Alaska |
Wrangell City / Borough |
$625,500 |
Denver |
|
Alaska |
Yakutat City |
$625,500 |
Denver |
|
Alaska |
Yukon-Koyukuk |
$625,500 |
Denver |
|
California |
Alameda |
$1,000,000 |
Phoenix |
|
California |
Alpine |
$480,000 |
Phoenix |
|
California |
Contra Costa |
$480,000 |
Phoenix |
|
California |
Los Angeles |
$700,000 |
Phoenix |
|
California |
Marin |
$1,000,000 |
Phoenix |
|
California |
Monterey |
$431,250 |
Phoenix |
|
California |
Napa |
$530,000 |
Phoenix |
|
California |
Nevada |
$431,250 |
Phoenix |
|
California |
Orange |
$700,000 |
Phoenix |
|
California |
San Benito |
$843,750 |
Phoenix |
|
California |
San Diego |
$537,500 |
Phoenix |
|
California |
San Francisco |
$1,000,000 |
Phoenix |
|
California |
San Luis Obispo |
$528,750 |
Phoenix |
|
California |
San Mateo |
$1,000,000 |
Phoenix |
|
California |
Santa Barbara |
$710,000 |
Phoenix |
|
California |
Santa Clara |
$843,750 |
Phoenix |
|
California |
Santa Cruz |
$706,250 |
Phoenix |
|
California |
Sonoma |
$478,750 |
Phoenix |
|
California |
Ventura |
$562,500 |
Phoenix |
|
Colorado |
Boulder |
$427,500 |
Denver |
|
Colorado |
Eagle |
$850,000 |
Denver |
|
Colorado |
Lake |
$850,000 |
Denver |
|
Colorado |
Pitkin |
$1,094,625 |
Denver |
|
Colorado |
Routt |
$520,000 |
Denver |
|
Colorado |
San Miguel |
$520,000 |
Denver |
|
Colorado |
Summit |
$771,250 |
Denver |
|
Connecticut |
Fairfield |
$625,000 |
Manchester |
|
District of Columbia |
District of Columbia |
4818,750 |
Roanoke |
|
Florida |
Monroe |
$437,500 |
St. Petersburg |
|
Guam |
Guam |
$625,000 |
Honolulu |
|
Hawaii |
Hawaii |
$625,500 |
Honolulu |
|
Hawaii |
Honolulu |
$741,250 |
Honolulu |
|
Hawaii |
Kalawao |
$625,500 |
Honolulu |
|
Hawaii |
Kauai |
$625,500 |
Honolulu |
|
Hawaii |
Maui |
$625,500 |
Honolulu |
|
Idaho |
Blaine |
$431,250 |
Denver |
|
Massachusetts |
Teton |
$652,500 |
Denver |
|
Massachusetts |
Barnstable |
$418,750 |
Manchester |
|
Massachusetts |
Dukes |
$782,500 |
Manchester |
|
Massachusetts |
Essex |
$493,750 |
Manchester |
|
Massachusetts |
Middlesex |
$493,750 |
Manchester |
|
Massachusetts |
Nantucket |
$1,094,625 |
Manchester |
|
Massachusetts |
Norfolk |
$493,750 |
Manchester |
|
Massachusetts |
Plymouth |
$493,750 |
Manchester |
|
Massachusetts |
Suffolk |
$493,750 |
Manchester |
|
Maryland |
Anne Arundel |
$500,000 |
Roanoke |
|
Maryland |
Baltimore |
$500,000 |
Roanoke |
|
Maryland |
Baltimore City |
$500,000 |
Roanoke |
|
Maryland |
Calvert |
$818,750 |
Roanoke |
|
Maryland |
Carroll |
$500,000 |
Roanoke |
|
Maryland |
Charles |
$818,750 |
Roanoke |
|
Maryland |
Frederick |
$818,750 |
Roanoke |
|
Maryland |
Harford |
$500,000 |
Roanoke |
|
Maryland |
Howard |
$500,000 |
Roanoke |
|
Maryland |
Montgomery |
$818,750 |
Roanoke |
|
Maryland |
Prince George’s |
$818,750 |
Roanoke |
|
Maryland |
Queen Anne’s |
$500,000 |
Roanoke |
|
Northern Mariana Islands |
Northern Island |
$436,250 |
Honolulu |
|
Northern Mariana Islands |
Saipan |
$440,000 |
Honolulu |
|
Northern Mariana Islands |
Tinian |
$442,500 |
Honolulu |
|
North Carolina |
Camden |
$875,000 |
Atlanta |
|
North Carolina |
Pasquotank |
$875,000 |
Atlanta |
|
North Carolina |
Perquimans |
$875,000 |
Atlanta |
|
New Hampshire |
Rockingham |
$493,750 |
Manchester |
|
New Hampshire |
Strafford |
$493,750 |
Manchester |
|
New Jersey |
Bergen |
$735,000 |
Cleveland |
|
New Jersey |
Essex |
$735,000 |
Cleveland |
|
New Jersey |
Hudson |
$735,000 |
Cleveland |
|
New Jersey |
Hunterdon |
$735,000 |
Cleveland |
|
New Jersey |
Middlesex |
$735,000 |
Cleveland |
|
New Jersey |
Monmouth |
$735,000 |
Cleveland |
|
New Jersey |
Morris |
$735,000 |
Cleveland |
|
New Jersey |
Ocean |
$735,000 |
Cleveland |
|
New Jersey |
Passaic |
$735,000 |
Cleveland |
|
New Jersey |
Somerset |
$735,000 |
Cleveland |
|
New Jersey |
Sussex |
$735,000 |
Cleveland |
|
New Jersey |
Union |
$735,000 |
Cleveland |
|
New York |
Bronx |
$735,000 |
Manchester |
|
New York |
Kings |
$735,000 |
Manchester |
|
New York |
Nassau |
$735,000 |
Manchester |
|
New York |
New York |
$735,000 |
Manchester |
|
New York |
Putnam |
$735,000 |
Manchester |
|
New York |
Queens |
$735,000 |
Manchester |
|
New York |
Richmond |
$735,000 |
Manchester |
|
New York |
Rockland |
$735,000 |
Manchester |
|
New York |
Suffolk |
$735,000 |
Manchester |
|
New York |
Westchester |
$735,000 |
Manchester |
|
Pennsylvania |
Pike |
$735,000 |
Cleveland |
|
Utah |
Salt Lake |
$612,500 |
Denver |
|
Utah |
Summit |
$612,500 |
Denver |
|
Utah |
Tooele |
$612,500 |
Denver |
|
Virginia |
Alexandria |
$818,750 |
Roanoke |
|
Virginia |
Arlington |
$818,750 |
Roanoke |
|
Virginia |
Clarke |
$818,750 |
Roanoke |
|
Virginia |
Fairfax |
$818,750 |
Roanoke |
|
Virginia |
Falls Church |
$818,750 |
Roanoke |
|
Virginia |
Fauquier |
$818,750 |
Roanoke |
|
Virginia |
Fredericksburg |
$818,750 |
Roanoke |
|
Virginia |
Lancaster |
$425,000 |
Roanoke |
|
Virginia |
Loudoun |
$818,750 |
Roanoke |
|
Virginia |
Manassas |
$818,750 |
Roanoke |
|
Virginia |
Manassas Park |
$818,750 |
Roanoke |
|
Virginia |
Prince William |
$818,750 |
Roanoke |
|
Virginia |
Spotsylvania |
$818,750 |
Roanoke |
|
Virginia |
Stafford |
$818,750 |
Roanoke |
|
Virginia |
Warren |
$818,750 |
Roanoke |
|
Virgin Islands |
St. Croix |
$625,000 |
St. Petersburg |
|
Virgin Islands |
St. John |
$625,000 |
St. Petersburg |
|
Virgin Islands |
St. Thomas |
$625,000 |
St. Petersburg |
|
Washington |
Clallam |
$417,500 |
Denver |
|
Washington |
King |
$500,000 |
Denver |
|
Washington |
Pierce |
$500,000 |
Denver |
|
Washington |
San Juan |
$468,750 |
Denver |
|
Washington |
Snohomish |
$500,000 |
Denver |
|
West Virginia |
Jefferson |
$818,750 |
Roanoke |
|
Wyoming |
Teton |
$652,500 |
Denver |
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