Updated: VA Loan Limits for High-Cost Counties

Suburban homes.

Updated for 2016: 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 2016. 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, 2016 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 2016 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.

Compare and contrast: Previous Year VA County Loan Limits

STATE COUNTY 2016 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 PETERSBURG CENSUS AREA $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 ALPINE $463,450 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 MONO $529,900 PHOENIX
CA MONTEREY $529,900 PHOENIX
CA NAPA $625,500 PHOENIX
CA NEVADA $477,250 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 $580,750 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 $554,300 PHOENIX
CA VENTURA $603,750 PHOENIX
CA YOLO $474,950 PHOENIX
CO ADAMS $458,850 DENVER
CO ARAPAHOE $458,850 DENVER
CO BOULDER $474,950 DENVER
CO BROOMFIELD $458,850 DENVER
CO CLEAR CREEK $458,850 DENVER
CO DENVER $458,850 DENVER
CO DOUGLAS $458,850 DENVER
CO EAGLE $625,500 DENVER
CO ELBERT $458,850 DENVER
CO GARFIELD $625,500 DENVER
CO GILPIN $458,850 DENVER
CO HINSDALE $427,800 DENVER
CO JEFFERSON $458,850 DENVER
CO LAKE $625,500 DENVER
CO OURAY $425,500 DENVER
CO PARK $458,850 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 COL $625,500 ROANOKE
FL COLLIER $448,500 ST. PETERSBURG
FL MONROE $529,000 ST. PETERSBURG
GA GREENE $515,200 HONOLULU
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 $625,500 DENVER
MA BRISTOL $426,650 CLEVELAND
MA DUKES $625,500 CLEVELAND
MA ESSEX $523,250 CLEVELAND
MA MIDDLESEX $523,250 CLEVELAND
MA NANTUCKET $625,500 CLEVELAND
MA NORFOLK $523,250 CLEVELAND
MA PLYMOUTH $523,250 CLEVELAND
MA SUFFOLK $523,250 CLEVELAND
MD ANNE ARUNDEL $517,500 ROANOKE
MD BALTIMORE $517,500 ROANOKE
MD BALTIMORE CITY $517,500 ROANOKE
MD CALVERT $625,500 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 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
NH ROCKINGHAM $523,250 CLEVELAND
NH STRAFFORD $523,250 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 DUTCHESS $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 $437,000 ROANOKE
TN CHEATHAM $437,000 ROANOKE
TN DAVIDSON $437,000 ROANOKE
TN DICKSON $437,000 ROANOKE
TN HICKMAN $437,000 ROANOKE
TN MACON $437,000 ROANOKE
TN MAURY $437,000 ROANOKE
TN ROBERTSON $437,000 ROANOKE
TN RUTHERFORD $437,000 ROANOKE
TN SMITH $437,000 ROANOKE
TN SUMNER $437,000 ROANOKE
TN TROUSDALE $437,000 ROANOKE
TN WILLIAMSON $437,000 ROANOKE
TN WILSON $437,000 ROANOKE
UT SALT LAKE $600,300 DENVER
UT SUMMIT $600,300 DENVER
UT TOOELE $600,300 DENVER
VA ALBEMARLE $437,000 ROANOKE
VA ALEXANDRIA $625,500 ROANOKE
VA AMELIA $535,900 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 $458,850 ROANOKE
VA CHESTERFIELD $535,900 ROANOKE
VA CLARKE $625,500 ROANOKE
VA COLONIAL HEIGHT $535,900 ROANOKE
VA CULPEPER $625,500 ROANOKE
VA CUMBERLAND $535,900 ROANOKE
VA DINWIDDIE $535,900 ROANOKE
VA FAIRFAX $625,500 ROANOKE
VA FAIRFAX IND $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 $535,900 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 $625,500 ROANOKE
VA LOUISA $535,900 ROANOKE
VA MANASSAS $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 $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 $625,500 ROANOKE
VA RAPPAHANNOCK $625,500 ROANOKE
VA RICHMOND IND $535,900 ROANOKE
VA SPOTSYLVANIA $625,500 ROANOKE
VA STAFFORD $625,500 ROANOKE
VA SUFFOLK $458,850 ROANOKE
VA SURRY $458,850 ROANOKE
VA SUSSEX $535,900 ROANOKE
VA VIRGINIA BEACH $458,850 ROANOKE
VA WARREN $625,500 ROANOKE
VA WILLIAMSBURG $458,850 ROANOKE
VA YORK $458,850 ROANOKE
VI ST. CROIX $625,500 ST. PETERSBURG
VI ST. JOHN,VI $625,500 ST. PETERSBURG
VI ST. THOMAS $625,500 ST. PETERSBURG
WA KING $540,500 DENVER
WA PIERCE $540,500 DENVER
WA SAN JUAN $483,000 DENVER
WA SNOHOMISH $540,500 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://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. 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

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