VA Loan Limits for High-Cost Counties: Updated for 2017

US Map Showing 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 $424,100 for 2017. 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, 2017 and afterwards.

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 down payment 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 their program. For 2017, 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 2017 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 down payments. 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 $424,100.

Regional loan center contact information is below this chart.

Compare and contrast: Previous Year VA County Loan Limits

STATE COUNTY 2017 VA LIMIT 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 Rd.
Honolulu, HI 96819
*Although not an RLC, this office is a fully functioning Loan Guaranty operation for Hawaii.
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
(Mail: P.O. Box 1437, St. Petersburg, FL 33731)
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

Related Topics

VA Loan Featured Military Benefits

Sound Off...What do you think? Join the discussion...

Military News App by Military.com

Download the new Military.com News App for Android on Google Play or for Apple devices on iTunes!

Featured VA Loan Articles

© 2016 Military Advantage