VA Loan Limits by County 2021

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VA Loan Limits by County 2021

VA Loan Limits By County

What Are VA Loan Limits?

The VA loan is one of my favorite benefits afforded to service members—especially when used to house hack—but there are still limitations to what it can purchase.

The Department of Veterans Affairs limits the amount you can borrow depending on what county you are purchasing a home in. The standard VA loan limit is $548,250 across most U.S. Counties in 2021—up from the $510,400 limit in 2020!

There are more expensive counties, which are allowed higher limits. At the high end, this limit is currently $822,375, which is a large increase from the limit of $765,600 in 2020.

It is important to note that these limits don’t cap the amount you can borrow, but rather the amount you can borrow with 0% down. Once you go above your remaining entitlement you will be required to pay 25% down for every dollar over that remaining eligibility.

Wait, I Thought The VA Loan No Longer Had Any Limits.

Yes and no.

As of January 1, 2020, there is no longer a limit on your first home purchase! You can literally borrow as much money—with 0% down—as your bank will loan you based on the debt-to-income ratio and your personal financial situation.

As of March 2021, the largest purchase I have seen a veteran make with 0% down was a $1,600,000 triplex!

Once you have used the VA loan, these loan limits come into effect.

For more information on how your certificate of eligibility (COE) plays into this, check out this article.

Current VA Loan Limits

Here are the current VA Loan Limits by County for 2021. Scroll through to find the county/state that you’re buying that next home in, and use this as a guide to determine how much home you can buy, based on your remaining entitlement.

StateCountiesVA Loan Limit
AlabamaAll Areas$548,250
AlaskaAleutians East$822,375
Aleutians West$822,375
Anchorage$822,375
Bethel$822,375
Bristol Bay$822,375
Denali$822,375
Dillingham$822,375
Fairbnaks North Star$822,375
Haines$822,375
Hoonah-angoon Census Area$822,375
Juneau$822,375
Kenai Peninsula$822,375
Ketchikan Gateway$822,375
Kodiak Island$822,375
Kuslivak Census Area$822,375
Lake And Peninsula$822,375
Matanuska Sursitna$822,375
Nome$822,375
North Slope$822,375
Northwest Arctic$822,375
Prince of Wales-hyder Census Area$822,375
Sitka$822,375
Skagway$822,375
Southeasy Fairbanks$822,375
Valdez Cordova$822,375
Wrangell$822,375
Yakutat$822,375
Yukon Koyukuk$822,375
All Other Areas$548,250
ArizonaAll Areas$548,250
ArkansasAll Areas$548,250
CaliforniaAlameda$822,375
Contra Costa$822,375
El Dorado$598,000
Los Angeles$822,375
Marin$822,375
Monterey$739,450
Napa$816,500
Orange$822,375
Placer$598,000
Sacramento$598,000
San Benito$822,375
San Diego$753,250
San Francisco$822,375
San Luis Obispo$701,500
San Mateo$822,375
Santa Barbara$660,100
Santa Clara$822,375
Santa Cruz$822,375
Solano$550,850
Sonoma$707,250
Ventura$739,450
Yolo$598,000
All Other Areas$548,250
ColoradoAdams$596,850
Arapahoe$596,850
Boulder$654,350
Broomfield$596,850
Clear Creek$596,850
Denver$596,850
Douglas$596,850
Eagle$822,250
Elbert$596,850
Garfield$765,600
Gilpin$596,850
Jefferson$596,850
Lake$596,850
Park$596,850
Pitkin$765,600
Routt$678,500
San Miguel$649,750
Summit$822,375
All Other Areas$548,250
ConnecticutFairfield$601,450
All Other Areas$548,250
DelawareAll Areas$548,250
FloridaAll Areas$548,250
GeorgiaAll Areas$548,250
HawaiiHawaii$822,375
Honolulu$822,375
Kalawao$822,375
Kauai$822,375
Maui$822,375
IdahoBlaine$625,500
Camas$625,500
Lincoln$625,500
Teton$822,375
All Other Areas$548,250
IllinoisAll Areas$548,250
IndianaAll Areas$548,250
IowaAll Areas$548,250
KansasAll Areas$548,250
KentuckyAll Areas$548,250
LouisianaAll Areas$548,250
MaineAll Areas$548,250
MarylandCalvert$822,375
Charles$822,375
Frederick$822,375
Montgomery$822,375
Prince George's$822,375
All Other Areas$548,250
MassachusettsDukes$822,375
Essex$724,500
Middlesex$724,500
Nantucket$822,375
Norfolk$724,500
Plymouth$724,500
Suffolk$724,500
All Other Areas$548,250
MichiganAll Areas$548,250
MinnesotaAll Areas$548,250
MississippiAll Areas$548,250
MissouriAll Areas$548,250
MontanaAll Areas$548,250
NebraskaAll Areas$548,250
NevadaAll Areas$548,250
New HampshireRockingham$724,500
Strafford$724,500
All Other Areas$548,250
New JerseyBergen$822,375
Essex$822,375
Hudson$822,375
Hunterdon$822,375
Middlesex$822,375
Monmout$822,375
Morris$822,375
Ocean$822,375
Passaic$822,375
Somerset$822,375
Sussex$822,375
Union$822,375
All Other Areas$548,250
New MexicoAll Areas$548,250
New YorkBronx$822,375
Dutchess$726,525
Kings$822,375
Nassau$822,375
New York$822,375
Orange$726,525
Putnam$822,375
Queens$822,375
Richmond$822,375
Rockland$822,375
Suffolk$822,375
Westchester$822,375
All Other Areas$548,250
North CarolinaCamden$625,500
Pasquotank$625,500
Perquimans$625,500
All Other Areas$548,250
North DakotaAll Areas$548,250
OhioAll Areas$548,250
OklahomaAll Areas$548,250
OregonAll Areas$548,250
PennsylvaniaPike$822,375
All Other Areas$548,250
Rhode IslandAll Areas$548,250
South CarolinaAll Areas$548,250
South DakotaAll Areas$548,250
TennesseeCannon$586,500
Cheatham$586,500
Davidson$586,500
Dickson$586,500
Macon$586,500
Maury$586,500
Robertson$586,500
Rutherford$586,500
Smith$586,500
Sumner$586,500
Trousdale$586,500
Williamson$586,500
Wilson$586,500
All Other Areas$548,250
TexasAll Areas$548,250
UtahBox Elder$646,300
Davis$646,300
Morgan$646,300
Salt Lake$600,300
Summit$817,650
Tooele$600,300
Wasatch$817,650
Weber$646,300
All Other Areas$548,250
VermontAll Areas$548,250
VirginiaAlexandria City$822,375
Arlington$822,375
Clarke$822,375
Culpeper$822,375
Fairfax$822,375
Fairfax City$822,375
Falls Church City$822,375
Fauquier$822,375
Fredericksburg City$822,375
Loudoun$822,375
Madison$822,375
Manassas Park City$822,375
Prince William$822,375
Rappahannock$822,375
Stafford$822,375
Warren$822,375
All Other Areas$548,250
WashingtonKing$776,250
Pierce$776,250
Snohomish$776,250
All Other Areas$548,250
West VirginiaAll Areas$548,250
WisconsinAll Areas$548,250
WyomingAll Areas$548,250
District of ColumbiaDistrict of Columbia$822,375

Let us introduce you to one of our recommended real estate agents and/or VA lenders in your market!

VA Loan Limit Example

Let’s say that your first VA home loan was $200k, which means you used $50k worth of your COE. If you’re looking to purchase your second home in San Diego county—where the 2021 VA loan limit is $753,250—you will have a remaining COE of $138,312.5 which would allow you a maximum purchase price of $553,250 before you would be required to put any money down.

Our Recommended VA loan and real estate professionals.

$753,250 / 4 = $188,312.5 COE – the $50k entitlement used on your first home = $138,312.5 COE (or $553,250 in purchasing power before you would be required to put 25% down for every additional dollar you borrow).

There are ways to recoup your eligibility, as our article on buying a second home with the VA loan mentions.

Please note that the VA Loan Limits have been increasing every year for a while now, but that doesn’t mean they can’t stay the same, or even decrease depending on home prices in your area. This is a living breathing document, and every year I intend to update this documents to the most current year.

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David Pere

David Pere

David is an active duty Marine, who devotes his free time to teaching personal finance and real estate investing for service members, and the working class!

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