Vets May Borrow More Than $1 Million

Higher limits for the VA Loan
Updated for 2014

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 2014. 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, 2014 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 2014, 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 2014 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 2013 limits.

Compare and contrast: 2013 VA County Loan Limits

STATE COUNTY 2014 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 $1,050,000 PHOENIX
CA CONTRA COSTA $1,050,000 PHOENIX
CA EL DORADO $437,500 PHOENIX
CA LOS ANGELES $687,500 PHOENIX
CA MARIN $1,050,000 PHOENIX
CA MONTEREY $500,000 PHOENIX
CA NAPA $575,000 PHOENIX
CA ORANGE $687,500 PHOENIX
CA PLACER $437,500 PHOENIX
CA SAN BENITO $827,500 PHOENIX
CA SAN DIEGO $527,500 PHOENIX
CA SAN FRANCISCO $1,050,000 PHOENIX
CA SAN LUIS OBISPO $518,750 PHOENIX
CA SAN MATEO $1,050,000 PHOENIX
CA SANTA BARBARA $643,750 PHOENIX
CA SANTA CLARA $827,500 PHOENIX
CA SANTA CRUZ $681,250 PHOENIX
CA SONOMA $500,000 PHOENIX
CA VENTURA $556,250 PHOENIX
CA YOLO $437,500 PHOENIX
CO ADAMS $425,000 DENVER
CO ARAPAHOE $425,000 DENVER
CO BOULDER $422,500 DENVER
CO BROOMFIELD $425,000 DENVER
CO CLEAR CREEK $425,000 DENVER
CO DENVER $425,000 DENVER
CO DOUGLAS $425,000 DENVER
CO EAGLE $587,500 DENVER
CO ELBERT $425,000 DENVER
CO GARFIELD $781,250 DENVER
CO GILPIN $425,000 DENVER
CO JEFFERSON $425,000 DENVER
CO PARK $425,000 DENVER
CO PITKIN $781,250 DENVER
CO ROUTT $423,750 DENVER
CO SUMMIT $462,500 DENVER
CT FAIRFIELD $556,250 CLEVELAND
DC DISTRICT OF COLUMBIA $692,500 ROANOKE
FL MONROE COUNTY $437,500 ST. PETERSBURG
GU GUAM $625,500 HONOLULU
HI HAWAII $625,500 HONOLULU
HI HONOLULU $750,000 HONOLULU
HI KALAWAO $625,500 HONOLULU
HI KAUAI $625,500 HONOLULU
HI MAUI $625,500 HONOLULU
ID TETON $630,000 DENVER
MA DUKES $715,000 CLEVELAND
MA ESSEX $511,250 CLEVELAND
MA MIDDLESEX $511,250 CLEVELAND
MA NANTUCKET $1,094,625 CLEVELAND
MA NORFOLK $511,250 CLEVELAND
MA PLYMOUTH $511,250 CLEVELAND
MA SUFFOLK $511,250 CLEVELAND
MD ANNE ARUNDEL $500,000 ROANOKE
MD BALTIMORE $500,000 ROANOKE
MD CALVERT $692,500 ROANOKE
MD CARROLL $500,000 ROANOKE
MD CHARLES $692,500 ROANOKE
MD FREDERICK $692,500 ROANOKE
MD HARFORD $500,000 ROANOKE
MD HOWARD $500,000 ROANOKE
MD MONTGOMERY $692,500 ROANOKE
MD PRINCE GEORGE'S $692,500 ROANOKE
MD QUEEN ANNE'S $500,000 ROANOKE
MP ANA ISLANDS $418,750 ST. PETERSBURG
NH ROCKINGHAM $511,250 CLEVELAND
NH STRAFFORD $511,250 CLEVELAND
NJ BERGEN $978,750 CLEVELAND
NJ ESSEX $978,750 CLEVELAND
NJ HUDSON $978,750 CLEVELAND
NJ HUNTERDON $978,750 CLEVELAND
NJ MIDDLESEX $978,750 CLEVELAND
NJ MONMOUTH $978,750 CLEVELAND
NJ MORRIS $978,750 CLEVELAND
NJ OCEAN $978,750 CLEVELAND
NJ PASSAIC $978,750 CLEVELAND
NJ SOMERSET $978,750 CLEVELAND
NJ SUSSEX $978,750 CLEVELAND
NJ UNION $978,750 CLEVELAND
NY BRONX $978,750 CLEVELAND
NY KINGS $978,750 CLEVELAND
NY NASSAU $978,750 CLEVELAND
NY NEW YORK $978,750 CLEVELAND
NY ORANGE $978,750 CLEVELAND
NY PUTNAM $978,750 CLEVELAND
NY QUEENS $978,750 CLEVELAND
NY RICHMOND $978,750 CLEVELAND
NY ROCKLAND $978,750 CLEVELAND
NY SUFFOLK $978,750 CLEVELAND
NY WESTCHESTER $978,750 CLEVELAND
PA PIKE $978,750 CLEVELAND
RI BRISTOL $431,250 CLEVELAND
RI KENT $431,250 CLEVELAND
RI NEWPORT $431,250 CLEVELAND
RI PROVIDENCE $431,250 CLEVELAND
RI WASHINGTON $431,250 CLEVELAND
TN CANNON $417,500 ROANOKE
TN CHEATHAM $417,500 ROANOKE
TN DAVIDSON $417,500 ROANOKE
TN DICKSON $417,500 ROANOKE
TN HICKMAN $417,500 ROANOKE
TN MACON $417,500 ROANOKE
TN MAURY $417,500 ROANOKE
TN ROBERTSON $417,500 ROANOKE
TN RUTHERFORD $417,500 ROANOKE
TN SMITH $417,500 ROANOKE
TN SUMNER $417,500 ROANOKE
TN WILLIAMSON $417,500 ROANOKE
TN WILSON $417,500 ROANOKE
UT SUMMIT $606,250 DENVER
VA ALEXANDRIA $692,500 ROANOKE
VA ARLINGTON $692,500 ROANOKE
VA CLARKE $692,500 ROANOKE
VA CULPEPPER $692,500 ROANOKE
VA FAIRFAX COUNTY $692,500 ROANOKE
VA FAIRFAX CITY $692,500 ROANOKE
VA FALLS CHURCH $692,500 ROANOKE
VA FAUQUIER $692,500 ROANOKE
VA FREDERICKSBURG $692,500 ROANOKE
VA LANCASTER $475,000 ROANOKE
VA LOUDUON $692,500 ROANOKE
VA MANASSAS CITY $692,500 ROANOKE
VA MANASSAS PARK $692,500 ROANOKE
VA PRINCE WILLIAM $692,500 ROANOKE
VA RAPPAHANNOCK $692,500 ROANOKE
VA SPOTSYLVANIA $692,500 ROANOKE
VA STAFFORD $692,500 ROANOKE
VA WARREN $692,500 ROANOKE
VI ST. CROIX $625,500 ST. PETERSBURG
VI ST. JOHN $625,500 ST. PETERSBURG
VI ST. THOMAS $625,500 ST. PETERSBURG
WA KING $500,000 DENVER
WA PIERCE $500,000 DENVER
WA SAN JUAN $425,000 DENVER
WA SNOHOMISH $505,000 DENVER
WV JEFFERSON $692,500 ROANOKE
WY TETON $630,000 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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