Updated: VA Loan Limits for High-cost Counties

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Updated for 2015: VA Loan Limits for High-cost Counties

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 2015. However, if you live in one of the following counties listed below, follow the data on the chart to determine the VA's maximum guaranty amount for a particular county. These limits apply to all loans closed January 1, 2015 and afterwards.

Learn more about your VA home loan benefits, Download a free VA Loan Guide today!

Notes from the VA:

Lenders may make loans to veterans greater than the maximum county loan limit; however, lenders may require Veterans to make a downpayment for the amount borrowed in excess of the applicable county loan limit.

VA loan limits are based on county median home values reported by the Federal Housing Administration. These values are the basis for which VA calculates limits for our program. For 2015, some limits increased, some stayed the same and a few decreased.

The maximum guaranty amount for loans over $144,000 is 25 percent of the 2015 VA county loan limit shown below. Veterans with full entitlement available may borrow up to this limit 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 must be reduced accordingly. Lenders should check their own investor requirements regarding guaranty amounts and downpayments. Questions about VA loans in a particular county may be directed to the VA Regional Loan Center of jurisdiction.

NOTE: For all counties not listed below, the limit is $417,000.

Regional loan center contact information is below this chart. Figures in bold indicate a change from 2014 limits.

Compare and contrast: 2014 VA County Loan Limits

STATE COUNTY 2015 VA LIMIT Regional Loan Center

AK
ALEUTIANS EAST $625,500 DENVER
AK ALEUTIANS WEST $625,500

DENVER

AK ANCHORAGE $625,500

DENVER

AK BETHEL $625,500

DENVER

AK BRISTOL BAY $625,500

DENVER

AK DENALI $625,500

DENVER

AK DILLINGHAM $625,500

DENVER

AK FAIRBANKS NORTH $625,500

DENVER

AK HAINES $625,500

DENVER

AK HOONAH-ANGOON $625,500

DENVER

AK JUNEAU $625,500

DENVER

AK KENAI PENINSULA $625,500

DENVER

AK KETCHIKAN GATEWAY $625,500

DENVER

AK KODIAK ISLAND $625,500

DENVER

AK LAKE AND PENINSULA $625,500

DENVER

AK MATANUSKA-SUSITNA $625,500

DENVER

AK NOME $625,500

DENVER

AK NORTHWEST ARCTIC $625,500

DENVER

AK NORTH SLOPE $625,500

DENVER

AK ST. PETERSBURG $625,500

DENVER

AK PRINCE OF WALES-HYDER $625,500

DENVER

AK SITKA $625,500

DENVER

AK SKAGWAY MUNICIPALITY $625,500

DENVER

AK SOUTHEAST FAIRBANKS $625,500

DENVER

AK VALDEZ-CORDOVA $625,500

DENVER

AK WADE HAMPTON $625,500

DENVER

AK WRANGELL
CITY/BOROUGH
$625,500

DENVER

AK YAKUTAT CITY $625,500

DENVER

AK YUKON-KOYUKUK $625,500

DENVER

CA ALAMEDA $625,000 PHOENIX
CA CONTRA COSTA $625,000 PHOENIX
CA EL DORADO $474,950 PHOENIX
CA LOS ANGELES $625,500 PHOENIX
CA MARIN $625,500 PHOENIX
CA MONTEREY $502,550 PHOENIX
CA NAPA $615,250 PHOENIX
CA ORANGE $625,500 PHOENIX
CA PLACER $474,950 PHOENIX
CA SACRAMENTO $474,950 PHOENIX
CA SAN BENITO $625,500 PHOENIX
CA SAN DIEGO $562,350 PHOENIX
CA SAN FRANCISCO $625,500 PHOENIX
CA SAN LUIS OBISPO $561,200 PHOENIX
CA SAN MATEO $625,500 PHOENIX
CA SANTA BARBARA $625,500 PHOENIX
CA SANTA CLARA $625,500 PHOENIX
CA SANTA CRUZ $625,500 PHOENIX
CA SONOMA $520,950 PHOENIX
CA VENTURA $603,750 PHOENIX
CA YOLO $474,950 PHOENIX
CO ADAMS $424,350 DENVER
CO ARAPAHOE $424,350 DENVER
CO BOULDER $456,550 DENVER
CO BROOMFIELD $424,350 DENVER
CO CLEAR CREEK $424,350 DENVER
CO DENVER $424,350 DENVER
CO DOUGLAS $424,350 DENVER
CO EAGLE $625,500 DENVER
CO ELBERT $424,350 DENVER
CO GARFIELD $625,500 DENVER
CO GILPIN $424,350 DENVER
CO JEFFERSON $424,350 DENVER
CO LAKE $625,500 DENVER
CO OURAY $425,500 DENVER
CO PARK $424,350 DENVER
CO PITKIN $625,500 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 $625,500 ROANOKE
FL COLLIER $448,500 ST. PETERSBURG
FL MONROE $529,000 ST. PETERSBURG
GU GUAM $625,500 HONOLULU
HI HAWAII $625,500 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 $630,000 DENVER
MA BRISTOL $426,650 CLEVELAND
MA DUKES $625,500 CLEVELAND
MA ESSEX $517,500 CLEVELAND
MA MIDDLESEX $517,500 CLEVELAND
MA NANTUCKET $625,500 CLEVELAND
MA NORFOLK $517,500 CLEVELAND
MA PLYMOUTH $517,500 CLEVELAND
MA SUFFOLK $517,500 CLEVELAND
MD ANNE ARUNDEL $517,500 ROANOKE
MD BALTIMORE $517,500 ROANOKE
MD CALVERT $692,500 ROANOKE
MD CARROLL $517,500 ROANOKE
MD CHARLES $625,500 ROANOKE
MD FREDERICK $625,500 ROANOKE
MD HARFORD $517,500 ROANOKE
MD HOWARD $517,500 ROANOKE
MD MONTGOMERY $625,500 ROANOKE
MD PRINCE GEORGE'S $625,500 ROANOKE
MD QUEEN ANNE'S $517,500 ROANOKE
MP SAIPAN $529,000 HONOLULU
MP TINIAN $532,450 HONOLULU
MP ANA ISLANDS $418,750 ST. PETERSBURG
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
NH ROCKINGHAM $517,500 CLEVELAND
NH STRAFFORD $517,500 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 DUCHESS $625,500 CLEVELAND
NY KINGS $625,500 CLEVELAND
NY NASSAU $625,500 CLEVELAND
NY NEW YORK $625,500 CLEVELAND
NY ORANGE $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
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 $425,500 ROANOKE
TN CHEATHAM $425,500 ROANOKE
TN DAVIDSON $425,500 ROANOKE
TN DICKSON $425,500 ROANOKE
TN HICKMAN $425,500 ROANOKE
TN MACON $425,500 ROANOKE
TN MAURY $425,500 ROANOKE
TN ROBERTSON $425,500 ROANOKE
TN RUTHERFORD $425,500 ROANOKE
TN SMITH $425,500 ROANOKE
TN SUMNER $425,500 ROANOKE
TN WILLIAMSON $425,500 ROANOKE
TN WILSON $425,500 ROANOKE
UT SALT LAKE $600,300 DENVER
UT SUMMIT $600,300 DENVER
UT TOOELE $600,300 DENVER
VA ABERMARLE $437,000 ROANOKE
VA ALEXANDRIA $625,500 ROANOKE
VA ARLINGTON $625,500 ROANOKE
VA BUCKINGHAM $437,000 ROANOKE
VA CAROLINE $535,900 ROANOKE
VA CHARLES CITY $535,900 ROANOKE
VA CHARLOTTESVILLE $437,000 ROANOKE
VA CHESAPEAKE CITY $458,850 ROANOKE
VA CHESTERFIELD $535,900 ROANOKE
VA CLARKE $625,500 ROANOKE
VA COLONIAL HEIGHTS $535,900 ROANOKE
VA CULPEPPER $625,500 ROANOKE
VA CUMBERLAND $535,900 ROANOKE
VA DINWIDDIE $535,900 ROANOKE
VA FAIRFAX COUNTY $625,500 ROANOKE
VA FAIRFAX CITY $625,500 ROANOKE
VA FALLS CHURCH $625,500 ROANOKE
VA FAUQUIER $625,500 ROANOKE
VA FLUVANNA $437,000 ROANOKE
VA FREDERICKSBURG $625,500 ROANOKE
VA GLOUCESTER $458,850 ROANOKE
VA GOOCHLAND $535,000 ROANOKE
VA GREENE $437,000 ROANOKE
VA HAMPTON CITY $458,850 ROANOKE
VA HANOVER $535,900 ROANOKE
VA HENRICO $535,900 ROANOKE
VA HOPEWELL CITY $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 LOUDUON $625,500 ROANOKE
VA MANASSAS CITY $625,500 ROANOKE
VA MANASSAS PARK $625,500 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 CITY $458,850 ROANOKE
VA PETERSBURG CITY $535,900 ROANOKE
VA POQUOSON CITY $458,850 ROANOKE
VA PORTSMOUTH CITY $458,850 ROANOKE
VA POWHATAN $535,900 ROANOKE
VA PRINCE GEORGE $535,900 ROANOKE
VA PRINCE WILLIAM $625,500 ROANOKE
VA RAPPAHANNOCK $625,500 ROANOKE
VA RICHMOND CITY $535,900 ROANOKE
VA SPOTSYLVANIA $625,500 ROANOKE
VA STAFFORD $625,500 ROANOKE
VA SUFFOLK CITY $458,850 ROANOKE
VA SURREY $458,850 ROANOKE
VA SUSSEX $535,900 ROANOKE
VA VIRGINIA BEACH $458,850 ROANOKE
VA WARREN $625,500 ROANOKE
VA WILLIAMSBURG CITY $458,850 ROANOKE
VA YORK $458,850 ROANOKE
VI ST. CROIX $625,500 ST. PETERSBURG
VI ST. JOHN $625,500 ST. PETERSBURG
VI ST. THOMAS $625,500 ST. PETERSBURG
WA KING $517,500 DENVER
WA PIERCE $517,500 DENVER
WA SAN JUAN $483,000 DENVER
WA SNOHOMISH $517,500 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

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