VA Loan Limits
Understand how VA loan limits work, the difference between full and partial entitlement, and what you can borrow in your county.
Program Overview
For veterans with full entitlement, there is no VA loan limit — you can borrow any amount with $0 down. However, veterans with partial entitlement (those with an existing VA loan or prior VA loan default) are subject to county-level conforming loan limits set by the FHFA. Understanding your entitlement status and applicable limits is crucial for planning your home purchase.
Who Is This Loan For?
- ✓ Veterans planning a home purchase
- ✓ Borrowers with existing or prior VA loans
- ✓ Veterans buying in high-cost areas
- ✓ Anyone seeking to understand their borrowing capacity
Key Benefits
No Limit — Full Entitlement
Veterans with full entitlement have no maximum loan amount. Buy a $500K, $1M, or $2M+ home with $0 down.
County Limits — Partial Entitlement
For partial entitlement, limits are based on FHFA conforming loan limits, which vary by county.
Jumbo VA Loans
Even with partial entitlement, you can exceed limits — you just need a down payment on the amount exceeding the guarantee.
Annual Updates
FHFA updates conforming loan limits annually. The 2024 baseline limit is $766,550, with higher limits in high-cost areas.
Qualification at a Glance
General Requirements
- Full entitlement: No active VA loans and no defaulted VA loans = no limit
- Partial entitlement: Subject to county conforming loan limits
- High-cost areas may have limits up to $1,149,825
- Entitlement can be restored when a previous VA loan is paid off and property sold
Documents Typically Needed
- Certificate of Eligibility (shows your current entitlement)
- Prior VA loan history (if applicable)
- Property address for county-specific limit lookup
Frequently Asked Questions
You have full entitlement if you have never used your VA benefit before, or if you have used it but have paid off the loan and sold the property (restoring your entitlement). Your COE will show your remaining entitlement.
Broker Disclosure: Scout Financial Group Inc DBA Airus Lending is a licensed mortgage broker (NMLS #2187418) and does not make loans or credit decisions. Airus Lending works with multiple wholesale lenders to help borrowers compare available loan options. Final approval depends on the lender, automated underwriting findings, documentation, state requirements, and overall borrower profile. Not all applicants will qualify.