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VA Loan Limits for High-Cost Counties: Updated for 2018

2018 Loan Limits

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 $453,100 for 2018. 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, 2018 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 2018, 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 2018 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 $453,100.

Regional loan center contact information is below this chart.

STATE COUNTY 2018 VA LIMIT Regional Loan Center
AK ALEUTIANS EAST $679,650 DENVER
AK ALEUTIANS WEST $679,650

DENVER

AK ANCHORAGE $679,650

DENVER

AK BETHEL $679,650

DENVER

AK BRISTOL BAY $679,650

DENVER

AK DENALI $679,650

DENVER

AK DILLINGHAM $679,650

DENVER

AK FAIRBANKS NORTH $679,650

DENVER

AK HAINES $679,650

DENVER

AK HOONAH-ANGOON $679,650

DENVER

AK JUNEAU $679,650

DENVER

AK KENAI PENINSULA $679,650

DENVER

AK KETCHIKAN GATEWAY $679,650

DENVER

AK KODIAK ISLAND $679,650

DENVER

AK KUSILVAK CENSUS AREA $679,650 DENVER
AK LAKE AND PENINSULA $679,650

DENVER

AK MATANUSKA-SUSITNA $679,650

DENVER

AK NOME $679,650

DENVER

AK NORTH SLOPE $679,650

DENVER

AK NORTHWEST ARCTIC $679,650

DENVER

AK PETERSBURG CENSUS AREA $679,650

DENVER

AK PRINCE OF WALES-HYDER $679,650

DENVER

AK SITKA $679,650

DENVER

AK SKAGWAY MUNICIPALITY $679,650

DENVER

AK SOUTHEAST FAIRBANKS $679,650

DENVER

AK VALDEZ-CORDOVA $679,650

DENVER

AK WRANGELL CITY/BOROUGH $679,650

DENVER

AK YAKUTAT CITY $679,650

DENVER

AK YUKON-KOYUKUK $679,650

DENVER

CA ALAMEDA $679,650 PHOENIX
CA ALPINE $463,450 PHOENIX
CA CONTRA COSTA $679,650 PHOENIX
CA EL DORADO $517,500 PHOENIX
CA LOS ANGELES $679,650 PHOENIX
CA MARIN $679,650 PHOENIX
CA MONO $529,000 PHOENIX
CA MONTEREY $615,250 PHOENIX
CA NAPA $679,650 PHOENIX
CA NEVADA $477,250 PHOENIX
CA ORANGE $679,650 PHOENIX
CA PLACER $517,500 PHOENIX
CA SACRAMENTO $517,500 PHOENIX
CA SAN BENITO $679,650 PHOENIX
CA SAN DIEGO $649,750 PHOENIX
CA SAN FRANCISCO $679,650 PHOENIX
CA SAN LUIS OBISPO $615,250 PHOENIX
CA SAN MATEO $679,650 PHOENIX
CA SANTA BARBARA $625,500 PHOENIX
CA SANTA CLARA $679,650 PHOENIX
CA SANTA CRUZ $679,650 PHOENIX
CA SOLANO $460,000 PHOENIX
CA SONOMA $648,600 PHOENIX
CA VENTURA $672,750 PHOENIX
CA YOLO $517,500 PHOENIX
CO ADAMS $529,000 DENVER
CO ARAPAHOE $529,000 DENVER
CO BOULDER $578,450 DENVER
CO BROOMFIELD $529,000 DENVER
CO CLEAR CREEK $529,000 DENVER
CO DENVER $529,000 DENVER
CO DOUGLAS $529,000 DENVER
CO EAGLE $636,150 DENVER
CO ELBERT $529,000 DENVER
CO GARFIELD $679,650 DENVER
CO GILPIN $529,000 DENVER
CO JEFFERSON $529,000 DENVER
CO LAKE $625,500 DENVER
CO PARK $529,000 DENVER
CO PITKIN $679,650 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 $679,650 ROANOKE
FL MONROE $529,000 ST. PETERSBURG
GA GREENE $515,200 ATLANTA
GU GUAM $679,650 HONOLULU
HI HAWAII $679,650 HONOLULU
HI HONOLULU $721,050 HONOLULU
HI KALAWAO $679,650 HONOLULU
HI KAUAI $713,000 HONOLULU
HI MAUI $679,650 HONOLULU
ID BLAINE $625,500 DENVER
ID CAMAS $625,500 DENVER
ID LINCOLN $625,500 DENVER
ID TETON $679,650 DENVER
MA DUKES $679,650 CLEVELAND
MA ESSEX $603,750 CLEVELAND
MA MIDDLESEX $603,750 CLEVELAND
MA NANTUCKET $679,650 CLEVELAND
MA NORFOLK $603,750 CLEVELAND
MA PLYMOUTH $603,750 CLEVELAND
MA SUFFOLK $603,750 CLEVELAND
MD ANNE ARUNDEL $517,500 ROANOKE
MD BALTIMORE $517,500 ROANOKE
MD BALTIMORE CITY $517,500 ROANOKE
MD CALVERT $679,650 ROANOKE
MD CARROLL $517,500 ROANOKE
MD CHARLES $679,650 ROANOKE
MD FREDERICK $679,650 ROANOKE
MD HARFORD $517,500 ROANOKE
MD HOWARD $517,500 ROANOKE
MD MONTGOMERY $679,650 ROANOKE
MD PRINCE GEORGE'S $679,650 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 $603,750 CLEVELAND
NH STRAFFORD $603,750 CLEVELAND
NJ BERGEN $679,650 CLEVELAND
NJ ESSEX $679,650 CLEVELAND
NJ HUDSON $679,650 CLEVELAND
NJ HUNTERDON $679,650 CLEVELAND
NJ MIDDLESEX $679,650 CLEVELAND
NJ MONMOUTH $679,650 CLEVELAND
NJ MORRIS $679,650 CLEVELAND
NJ OCEAN $679,650 CLEVELAND
NJ PASSAIC $679,650 CLEVELAND
NJ SOMERSET $679,650 CLEVELAND
NJ SUSSEX $679,650 CLEVELAND
NJ UNION $679,650 CLEVELAND
NY BRONX $679,650 CLEVELAND
NY DUTCHESS $679,650 CLEVELAND
NY KINGS $679,650 CLEVELAND
NY NASSAU $679,650 CLEVELAND
NY NEW YORK $679,650 CLEVELAND
NY ORANGE $679,650 CLEVELAND
NY PUTNAM $679,650 CLEVELAND
NY QUEENS $679,650 CLEVELAND
NY RICHMOND $679,650 CLEVELAND
NY ROCKLAND $679,650 CLEVELAND
NY SUFFOLK $679,650 CLEVELAND
NY WESTCHESTER $679,650 CLEVELAND
OR HOOD RIVER $454,250 DENVER
PA PIKE $679,650 CLEVELAND
TN CANNON $494,500 ROANOKE
TN CHEATHAM $494,500 ROANOKE
TN DAVIDSON $494,500 ROANOKE
TN DICKSON $494,500 ROANOKE
TN HICKMAN $494,500 ROANOKE
TN MACON $494,500 ROANOKE
TN MAURY $494,500 ROANOKE
TN ROBERTSON $494,500 ROANOKE
TN RUTHERFORD $494,500 ROANOKE
TN SMITH $494,500 ROANOKE
TN SUMNER $494,500 ROANOKE
TN TROUSDALE $494,500 ROANOKE
TN WILLIAMSON $494,500 ROANOKE
TN WILSON $494,500 ROANOKE
UT SALT LAKE $600,300 DENVER
UT SUMMIT $679,650 DENVER
UT TOOELE $600,300 DENVER
VA ALEXANDRIA $679,650 ROANOKE
VA AMELIA $535,900 ROANOKE
VA ARLINGTON $679,650 ROANOKE
VA CAROLINE $535,900 ROANOKE
VA CHARLES CITY $535,900 ROANOKE
VA CHESAPEAKE $458,850 ROANOKE
VA CHESTERFIELD $535,900 ROANOKE
VA CLARKE $679,650 ROANOKE
VA COLONIAL HEIGHTS $535,900 ROANOKE
VA CULPEPER $679,650 ROANOKE
VA CUMBERLAND $535,900 ROANOKE
VA DINWIDDIE $535,900 ROANOKE
VA FAIRFAX $679,650 ROANOKE
VA FAIRFAX INDEPENDENT CITY $679,650 ROANOKE
VA FALLS CHURCH $679,650 ROANOKE
VA FAUQUIER $679,650 ROANOKE
VA FREDERICKSBURG $679,650 ROANOKE
VA GLOUCESTER $458,850 ROANOKE
VA GOOCHLAND $535,900 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 LOUDOUN $679,650 ROANOKE
VA LOUISA $535,900 ROANOKE
VA MANASSAS $679,650 ROANOKE
VA MANASSAS PARK $679,650 ROANOKE
VA MATHEWS $458,850 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 $679,650 ROANOKE
VA RAPPAHANNOCK $679,650 ROANOKE
VA RICHMOND INDEPENDENT CITY $535,900 ROANOKE
VA SPOTSYLVANIA $679,650 ROANOKE
VA STAFFORD $679,650 ROANOKE
VA SUFFOLK $458,850 ROANOKE
VA SURRY $458,850 ROANOKE
VA SUSSEX $535,900 ROANOKE
VA VIRGINIA BEACH $458,850 ROANOKE
VA WARREN $679,650 ROANOKE
VA WILLIAMSBURG $458,850 ROANOKE
VA YORK $458,850 ROANOKE
VI ST. CROIX $679,650 ST. PETERSBURG
VI ST. JOHN $679,650 ST. PETERSBURG
VI ST. THOMAS $679,650 ST. PETERSBURG
WA KING $667,000 DENVER
WA PIERCE $667,000 DENVER
WA SAN JUAN $483,000 DENVER
WA SNOHOMISH $667,000 DENVER
WV JEFFERSON $679,650 ROANOKE
WY TETON $679,650 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 Benefits