2015 VA Loan Limits by County

Effective January 1, 2015 the following counties have loan limits greater than the standard VA loan limit of $417,000. The VA loan limit is the maximum amount that the Department of Veterans Affairs will guaranty. It is not the maximum amount that an eligible veteran may borrow using a VA home loan.

VA Loan limits apply to all loans closed January 1, 2015 through December 31, 2015.

These limits do apply to most military borrowers. These increased VA loan limits are intended to allow military borrowers in more expensive loan markets to borrow more without having to put any money down. In most markets the VA loan limit is $417,000.

2015 VA Loan Limits

STATESTATE CODECOUNTY/AREA2015 VA LOAN LIMITRegional Loan Center
AlaskaAKALEUTIANS EAST$625,500DENVER
AlaskaAKALEUTIANS WEST$625,500DENVER
AlaskaAKANCHORAGE MUNICIPALITY$625,500DENVER
AlaskaAKBETHEL CENSUS AREA$625,500DENVER
AlaskaAKBRISTOL BAY$625,500DENVER
AlaskaAKDENALI$625,500DENVER
AlaskaAKDILLINGHAM$625,500DENVER
AlaskaAKFAIRBANKS NORTH$625,500DENVER
AlaskaAKHAINES$625,500DENVER
AlaskaAKHOONAH-ANGOON$625,500DENVER
AlaskaAKJUNEAU$625,500DENVER
AlaskaAKKENAI PENINSULA$625,500DENVER
AlaskaAKKETCHIKAN GATEWAY$625,500DENVER
AlaskaAKKODIAK ISLAND$625,500DENVER
AlaskaAKLAKE AND PENINSULA$625,500DENVER
AlaskaAKMATANUSKA-SUSITNA$625,500DENVER
AlaskaAKNOME$625,500DENVER
AlaskaAKNORTHWEST ARCTIC$625,500DENVER
AlaskaAKNORTH SLOPE$625,500DENVER
AlaskaAKST. PETERSBURG$625,500DENVER
AlaskaAKPRINCE OF WALES-HYDER$625,500DENVER
AlaskaAKSITKA$625,500DENVER
AlaskaAKSKAGWAY MUNICIPALITY$625,500DENVER
AlaskaAKSOUTHEAST FAIRBANKS$625,50DENVER
AlaskaAKVALDEZ-CORDOVA$625,50DENVER
AlaskaAKWADE HAMPTON$625,500DENVER
AlaskaAKWRANGELL CITY/BOROUGH$625,500DENVER
AlaskaAKYAKUTAT CITY$625,500DENVER
AlaskaAKYUKON-KOYUKUK$625,500DENVER
CaliforniaCAALAMEDA$625,500PHOENIX
CaliforniaCAALPINE$463,450PHOENIX
CaliforniaCACONTRA COSTA$625,500PHOENIX
CaliforniaCAEL DORADO$474,950PHOENIX
CaliforniaCALOS ANGELES$625,500PHOENIX
CaliforniaCAMARIN$625,500PHOENIX
CaliforniaCAMONO$529,000PHOENIX
CaliforniaCAMONTEREY$502,550PHOENIX
CaliforniaCANAPA$615,250PHOENIX
CaliforniaCANEVADA$477,250PHOENIX
CaliforniaCAORANGE$625,500PHOENIX
CaliforniaCAPLACER$474,950PHOENIX
CaliforniaCASACRAMENTO$474,950PHOENIX
CaliforniaCASAN BENITO$625,500PHOENIX
CaliforniaCASAN DIEGO$562,350PHOENIX
CaliforniaCASAN FRANCISCO$625,500PHOENIX
CaliforniaCASAN LUIS OBISPO$561,200PHOENIX
CaliforniaCASAN MATEO$625,500PHOENIX
CaliforniaCASANTA BARBARA$625,500PHOENIX
CaliforniaCASANTA CLARA$625,500PHOENIX
CaliforniaCASANTA CRUZ$625,500PHOENIX
CaliforniaCASONOMA$520,950PHOENIX
CaliforniaCAVENTURA$603,750PHOENIX
CaliforniaCAYOLO$474,950PHOENIX
ColoradoCOADAMS$424,350DENVER
ColoradoCOARAPAHOE$424,350DENVER
ColoradoCOBOULDER$456,550DENVER
ColoradoCOBROOMFIELD$424,350DENVER
ColoradoCOCLEAR CREEK$424,350DENVER
ColoradoCODENVER$424,350DENVER
ColoradoCODOUGLAS$424,350DENVER
ColoradoCOEAGLE$625,500DENVER
ColoradoCOELBERT$424,350DENVER
ColoradoCOGARFIELD$625,500DENVER
ColoradoCOGILPIN$424,350DENVER
ColoradoCOJEFFERSON$625,500DENVER
ColoradoCOLAKE$625,500DENVER
ColoradoCOOURAY$425,500DENVER
ColoradoCOPARK$424,350DENVER
ColoradoCOPITKIN$625,500DENVER
ColoradoCOROUTT$625,500DENVER
ColoradoCOSAN MIGUEL$625,500DENVER
ColoradoCOSUMMIT$625,500DENVER
ConnecticutCTFAIRFIELD$601,450CLEVELAND
District of ColumbiaDCDISTRICT OF COLUMBIA$625,500ROANOKE
FloridaFLCOLLIER$448,500ST. PETERSBURG
FloridaFLMONROE COUNTY$529,000ST. PETERSBURG
GeorgiaGAGREENE$515,200ATLANTA
GuamGUGUAM$625,500HONOLULU
HawaiiHIHAWAII$625,500HONOLULU
HawaiiHIHONOLULU$721,050HONOLULU
HawaiiHIKALAWAO$657,800HONOLULU
HawaiiHIKAUAI$713,000HONOLULU
HawaiiHIMAUI$657,800HONOLULU
IdahoIDBLAINE$625,500DENVER
IdahoIDCAMAS$625,500DENVER
IdahoIDLINCOLN$625,500DENVER
IdahoIDTETON$625,500DENVER
MassachusettsMADUKES$625,500CLEVELAND
MassachusettsMAESSEX$517,500CLEVELAND
MassachusettsMAMIDDLESEX$517,500CLEVELAND
MassachusettsMANANTUCKET$625,500CLEVELAND
MassachusettsMANORFOLK$517,500CLEVELAND
MassachusettsMAPLYMOUTH$517,500CLEVELAND
MassachusettsMASUFFOLK$517,500CLEVELAND
MarylandMDANNE ARUNDEL$517,500ROANOKE
MarylandMDBALTIMORE$517,500ROANOKE
MarylandMDBALTIMORE CITY$517,500ROANOKE
MarylandMDBRISTOL$626,650ROANOKE
MarylandMDCALVERT$625,500ROANOKE
MarylandMDCARROLL$517,500ROANOKE
MarylandMDCHARLES$625,500ROANOKE
MarylandMDFREDERICK$625,500ROANOKE
MarylandMDHARFORD$517,500ROANOKE
MarylandMDHOWARD$517,500ROANOKE
MarylandMDMONTGOMERY$625,500ROANOKE
MarylandMDPRINCE GEORGE'S$625,500ROANOKE
MarylandMDQUEEN ANNE'S$517,500ROANOKE
Northern Mariana IslandsMPNORTHERN ISLAND$524,400ST. PETERSBURG
Northern Mariana IslandsMPSAIPAN$529,000ST. PETERSBURG
Northern Mariana IslandsMPANA ISLANDS/TINIAN MUNI$532,450ST. PETERSBURG
New HampshireNHROCKINGHAM$517,500CLEVELAND
New HampshireNHSTRAFFORD$517,500CLEVELAND
New JerseyNJBERGEN$625,500CLEVELAND
New JerseyNJESSEX$625,500CLEVELAND
New JerseyNJHUDSON$625,500CLEVELAND
New JerseyNJHUNTERDON$625,500CLEVELAND
New JerseyNJMIDDLESEX$625,500CLEVELAND
New JerseyNJMONMOUTH$625,500CLEVELAND
New JerseyNJMORRIS$625,500CLEVELAND
New JerseyNJOCEAN$625,500CLEVELAND
New JerseyNJPASSAIC$625,500CLEVELAND
New JerseyNJSOMERSET$625,500CLEVELAND
New JerseyNJSUSSEX$625,500CLEVELAND
New JerseyNJUNION$625,500CLEVELAND
New YorkNYBRONX$625,500CLEVELAND
New YorkNYDUTCHESS$625,500CLEVELAND
New YorkNYKINGS$625,500CLEVELAND
New YorkNYNASSAU$625,500CLEVELAND
New YorkNYNEW YORK$625,500CLEVELAND
New YorkNYORANGE$625,500CLEVELAND
New YorkNYPUTNAM$625,500CLEVELAND
New YorkNYQUEENS$625,500CLEVELAND
New YorkNYRICHMOND$625,500CLEVELAND
New YorkNYROCKLAND$625,500CLEVELAND
New YorkNYSUFFOLK$625,500CLEVELAND
New YorkNYWESTCHESTER$625,500CLEVELAND
North CarolinaNCCAMDEN$625,500WINSTON-SALEM
North CarolinaNCCURRITUCK$458,850WINSTON-SALEM
North CarolinaNCGATES$458,850WINSTON-SALEM
North CarolinaNCHYDE$483,000WINSTON-SALEM
North CarolinaNCPASQUOTANK$625,500WINSTON-SALEM
North CarolinaNCPERQUIMANS$625,500WINSTON-SALEM
PennsylvaniaPAPIKE$625,500CLEVELAND
Rhode IslandRIBRISTOL$426,650CLEVELAND
Rhode IslandRIKENT$426,650CLEVELAND
Rhode IslandRINEWPORT$426,650CLEVELAND
Rhode IslandRIPROVIDENCE$426,650CLEVELAND
Rhode IslandRIWASHINGTON$426,650CLEVELAND
TenneseeTNCANNON$425,500ROANOKE
TenneseeTNCHEATHAM$425,500ROANOKE
TenneseeTNDAVIDSON$425,500ROANOKE
TenneseeTNDICKSON$425,500ROANOKE
TenneseeTNHICKMAN$425,500ROANOKE
TenneseeTNMACON$425,500ROANOKE
TenneseeTNMAURY$425,500ROANOKE
TenneseeTNROBERTSON$425,500ROANOKE
TenneseeTNRUTHERFORD$425,500ROANOKE
TenneseeTNSMITH$425,500ROANOKE
TenneseeTNSUMNER$425,500ROANOKE
TenneseeTNTROUSDALE$425,500ROANOKE
TenneseeTNWILLIAMSON$425,500ROANOKE
TenneseeTNWILSON$425,500ROANOKE
UtahUTSALT LAKE$600,300DENVER
UtahUTSUMMIT$600,300DENVER
UtahUTTOOELE$600,300DENVER
VirginiaVAALBEMARLE$437,000ROANOKE
VirginiaVAALEXANDRIA$625,500ROANOKE
VirginiaVAAMELIA$535,900ROANOKE
VirginiaVAARLINGTON$625,500ROANOKE
VirginiaVABUCKINGHAM$437,000ROANOKE
VirginiaVACAROLINE$535,900ROANOKE
VirginiaVACHARLES CITY$535,900ROANOKE
VirginiaVACHARLOTTESVILLE$537,000ROANOKE
VirginiaVACHESTERFIELD$535,900ROANOKE
VirginiaVACHESAPEAKE$458,850ROANOKE
VirginiaVACLARKE$625,500ROANOKE
VirginiaVACOLONIAL HEIGHT$535,900ROANOKE
VirginiaVACULPEPPER$625,500ROANOKE
VirginiaVACUMBERLAND$535,900ROANOKE
VirginiaVADINWIDDIE$535,900ROANOKE
VirginiaVAFAIRFAX$625,500ROANOKE
VirginiaVAFAIRFAX IND$625,500ROANOKE
VirginiaVAFALLS CHURCH$625,500ROANOKE
VirginiaVAFAUQUIER$625,500ROANOKE
VirginiaVAFLUVANNA$437,000ROANOKE
VirginiaVAFREDERICKSBURG$625,500ROANOKE
VirginiaVAGLOUCESTER$458,850ROANOKE
VirginiaVAGOOCHLAND$535,900ROANOKE
VirginiaVAGREENE$437,000ROANOKE
VirginiaVAHAMPTON$458,850ROANOKE
VirginiaVAHANOVER$535,900ROANOKE
VirginiaVAHENRICO$535,900ROANOKE
VirginiaVAHOPEWELL$535,900ROANOKE
VirginiaVAISLE OF WIGHT$458,850ROANOKE
VirginiaVAJAMES CITY$458,850ROANOKE
VirginiaVAKING AND QUEEN$535,900ROANOKE
VirginiaVAKING WILLIAM$535,900ROANOKE
VirginiaVALANCASTER$442,750ROANOKE
VirginiaVALOUDUON$625,500ROANOKE
VirginiaVALOUISA$535,900ROANOKE
VirginiaVAMANASSAS$625,500ROANOKE
VirginiaVAMANASSAS PARK$625,500ROANOKE
VirginiaVAMATHEWS$458,850ROANOKE
VirginiaVANELSON$437,000ROANOKE
VirginiaVANEW KENT$535,900ROANOKE
VirginiaVANEWPORT NEWS$458,850ROANOKE
VirginiaVANORFOLK$458,850ROANOKE
VirginiaVAPETERSBURG$535,900ROANOKE
VirginiaVAPOQUOSON$458,850ROANOKE
VirginiaVAPORTSMOUTH$458,850ROANOKE
VirginiaVAPOWHATAN$535,900ROANOKE
VirginiaVAPRINCE EDWARD$417,000ROANOKE
VirginiaVAPRINCE GEORGE$535,900ROANOKE
VirginiaVAPRINCE WILLIAM$625,500ROANOKE
VirginiaVARAPPAHANNOCK$625,500ROANOKE
VirginiaVARICHMOND IND$535,900ROANOKE
VirginiaVASPOTSYLVANIA$625,500ROANOKE
VirginiaVASTAFFORD$625,500ROANOKE
VirginiaVASURRY$458,850ROANOKE
VirginiaVASUSSEX$535,900ROANOKE
VirginiaVASUFFOLK$458,850ROANOKE
VirginiaVAVIRGINIA BEACH$458,850ROANOKE
VirginiaVAWARREN$625,500ROANOKE
VirginiaVAWILLIAMSBURG$458,850ROANOKE
VirginiaVAYORK$458,850ROANOKE
Virgin IslandsVIST. CROIX ISLAND$625,500ST. PETERSBURG
Virgin IslandsVIST. JOHN ISLAND$625,500ST. PETERSBURG
Virgin IslandsVIST. THOMAS ISLAND$625,500ST. PETERSBURG
WashingtonWAKING$517,500DENVER
WashingtonWAPIERCE$517,500DENVER
WashingtonWASAN JUAN$483,000DENVER
WashingtonWASNOHOMISH$517,500DENVER
West VirginiaWVJEFFERSON$625,500ROANOKE
WyomingWYTETON$625,500DENVER

The maximum guaranty amount (available for loans over $144,000) is 25 percent of the 2015 VA limit shown above. Therefore, a veteran with full entitlement available may borrow up to the 2015 VA limit shown below 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.


Related Articles
VA Home Loan Guide 2014 VA Loan Limits by County
VA Home Loans: How to Get Started VA Home Loans for First Time Buyers
5 Benefits of a VA Loan FAQs About VA Home Loans
VA Home Loan Eligibility VA Home Loan Myths
VA Loan Tips VA Refinance Loan Options