2020 VA Loan Limit State by County Chart

Dated: August 28 2020

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Please do not hesitate in calling/texting/emailing me with any questions about your VA Loan Entitlement.   I can be reached by calling/texting 561-220-2994 or email: toddtrader@gmail.com

The Veterans Administration officially announced the new VA Loan Limit set to take effect January 1, 2020. This time it’s very different. There will be NO LIMIT for veterans with full entitlement. Yes, that means if you can afford the payment (and get pre-approved) for a $2.5 million dollar home, then you can buy one using your VA home loan with $0 down payment! That’s right, ZERO down payment.

VA Loan Limits no longer apply to qualified veterans with their full VA loan entitlement! Veterans with diminished VA loan entitlement must still adhere to VA loan limits. Continue Reading Below to learn more about VA loan limits changes in 2020

About VA Loan Limits

The standard VA loan limit is $510,400 for most U.S. counties in 2020, an increase from $484,350 in 2019. For more expensive housing markets in the continental U.S., VA loan limits reach all the way up to $765,600 for 2020, up from $726,525 in 2019.

Remember, these limits do not represent a cap on borrowing. Veterans with their full entitlement can get as much as a lender is willing to give them without needing a down payment. But veterans with one or more active VA loans or who have defaulted on a previous VA loan will encounter the limits, which will in part determine their zero-down buying power.

VA Loan Limit Example

Let’s assume you’re currently using $60,000 of your VA loan entitlement and want to purchase a new home in a standard cost county ($510,400 loan limit). Because the VA guaranties a quarter of the loan amount, the maximum entitlement in this county is currently $127,600.

Generally, here’s how the loan limit calculations would look:

  • $127,600 - $60,000 in current entitlement = $67,600 remaining entitlement
  • $67,600 remaining entitlement x 4 = $270,400

That $270,400 figure represents how much you could borrow before needing to make a down payment. This veteran could buy with $0 down all the way up to $270,400. Purchasing above that mark would require a down payment equal to 25 percent of the difference between that ceiling and the purchase price.

Search your State by County below to find the VA Loan limit amount for your area. 

State VA Loan Limits by County

  • AlabamaVA Loan Limits by County
    • All areas$510,400
  • AlaskaVA Loan Limits by County
    • Aleutians East$765,600
    • Aleutians West$765,600
    • Anchorage$765,600
    • Bethel$765,600
    • Bristol Bay$765,600
    • Denali$765,600
    • Dillingham$765,600
    • Fairbanks North Star$765,600
    • Haines$765,600
    • Hoonah-angoon Census Area$765,600
    • Juneau$765,600
    • Kenai Peninsula$765,600
    • Ketchikan Gateway$765,600
    • Kodiak Island$765,600
    • Kuslivak Census Area$765,600
    • Lake And Peninsula$765,600
    • Matanuska Susitna$765,600
    • Nome$765,600
    • North Slope$765,600
    • Northwest Arctic$765,600
    • Petersburg Census Area$765,600
    • Prince Of Wales-hyder Census Area$765,600
    • Sitka$765,600
    • Skagway$765,600
    • Southeast Fairbanks$765,600
    • Valdez Cordova$765,600
    • Wrangell$765,600
    • Yakutat$765,600
    • Yukon Koyukuk$765,600
    • All other areas$510,400
  • Arizona
    VA Loan Limits by County
    • All areas$510,400
  • ArkansasVA Loan Limits by County
    • All areas$510,400
  • CaliforniaVA Loan Limits by County
    • Alameda$765,600
    • Contra Costa$765,600
    • El Dorado$569,250
    • Los Angeles$765,600
    • Marin$765,600
    • Mono$529,000
    • Monterey$672,750
    • Napa$764,750
    • Orange$765,600
    • Placer$569,250
    • Sacramento$569,250
    • San Benito$765,600
    • San Diego$701,500
    • San Francisco$765,600
    • San Luis Obispo$690,000
    • San Mateo$765,600
    • Santa Barbara$625,500
    • Santa Clara$765,600
    • Santa Cruz$765,600
    • Sonoma$704,950
    • Ventura$713,000
    • Yolo$569,250
    • All other areas$510,400
  • ColoradoVA Loan Limits by County
    • Adams$575,000
    • Arapahoe$575,000
    • Boulder$644,000
    • Broomfield$575,000
    • Clear Creek$575,000
    • Denver$575,000
    • Douglas$575,000
    • Eagle$750,950
    • Elbert$575,000
    • Garfield$765,600
    • Gilpin$575,000
    • Jefferson$575,000
    • Lake$625,500
    • Park$575,000
    • Pitkin$765,600
    • Routt$638,250
    • San Miguel$625,500
    • Summit$625,500
    • All other areas$510,400
  • ConnecticutVA Loan Limits by County
    • Fairfield$601,450
    • All other areas$510,400
  • DelawareVA Loan Limits by County
    • All areas$510,400
  • FloridaVA Loan Limits by County
    • Monroe$552,000
    • All other areas$510,400
  • GeorgiaVA Loan Limits by County
    • Greene$515,200
    • All other areas$510,400
  • HawaiiVA Loan Limits by County
    • Hawaii$765,600
    • Honolulu$765,600
    • Kalawao$765,600
    • Kauai$765,600
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      Todd Trader

      My Client-First Philosophy There are many qualities and skills that go into being an excellent real estate professional - integrity, in-depth community and market knowledge, marketing savvy, effective....

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