As of January 1, 2020, veterans seeking to obtain what are commonly referred to as jumbo loans, or Veterans living in higher-cost markets, will no longer be subject to the Federally-established VA loan limit aka Conforming loan limit maximums. This means veterans may obtain no-down payment VA-backed loans in all areas of the country, regardless of home prices.
Note: Loan limits still apply for those who have more than one active VA loan, only partial entitlement available or those who have defaulted on a previous loan.
What’s the catch?
There is no catch other than that the removal of loan limits doesn’t mean unlimited borrowing power without a down payment. You’ll still need to have sufficient income and meet a lender’s credit requirements to qualify for the loan amount. Lenders can continue to impose their own in-house maximum loan amounts. Loan limits will still apply in 2020 to veterans who have more than one active VA loan or have defaulted on a previous loan.
Why did this Change?
VA Loan Limits are going away because the Department of Veterans Affairs can now back loans that exceed the conforming loan limit. A bill eliminating this cap was signed into law by President Donald Trump on June 25th, 2019. In addition, veterans looking to purchase a home, H.R. 299 will temporarily increase rates for certain loans by 0.15-0.30%. More about this change and other VA loan changes can be found here.
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Here are the maximum conforming loan limits for mortgages to be acquired by Fannie Mae and Freddie Mac in 2020. In most of the U.S., the 2020 maximum conforming loan limit for one-unit properties is $510,400, an increase from $484,350 in 2019. This represents a 5.38% increase.
Loan limits still apply to veterans with more than one active VA loan, only partial entitlement available or those who have defaulted on a previous loan.
2020 Maximum Conforming Loan Limits
| State | County Name | 1-Unit Limit | 2-Unit Limit | 3-Unit Limit | 4-Unit Limit | Increase | % |
|---|---|---|---|---|---|---|---|
| N/A | All Other Counties | $510,400 | $653,550 | $789,950 | $981,700 | $26,050 | 5.38% |
| AK | ALEUTIANS EAST | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| AK | ALEUTIANS WEST | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| AK | ANCHORAGE | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| AK | BETHEL | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| AK | BRISTOL BAY | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| AK | DENALI | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| AK | DILLINGHAM | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| AK | FAIRBANKS NORTH | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| AK | HAINES | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| AK | HOONAH-ANGOON C | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| AK | JUNEAU | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| AK | KENAI PENINSULA | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| AK | KETCHIKAN GATEW | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| AK | KODIAK ISLAND | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| AK | KUSILVAK CENSUS AREA | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| AK | LAKE AND PENINS | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| AK | MATANUSKA-SUSIT | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| AK | NOME | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| AK | NORTH SLOPE | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| AK | NORTHWEST ARCTI | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| AK | PETERSBURG CENS | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| AK | PRINCE OF WALES | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| AK | SITKA | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| AK | SKAGWAY MUNICIP | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| AK | SOUTHEAST FAIRB | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| AK | VALDEZ-CORDOVA | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| AK | WRANGELL CITY A | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| AK | YAKUTAT CITY | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| AK | YUKON-KOYUKUK | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| CA | ALAMEDA | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| CA | CONTRA COSTA | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| CA | EL DORADO | $569,250 | $728,750 | $880,900 | $1,094,700 | $17,250 | 3.13% |
| CA | LOS ANGELES | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| CA | MARIN | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| CA | MONO | $529,000 | $677,200 | $818,600 | $1,017,300 | $- | 0.00% |
| CA | MONTEREY | $672,750 | $861,250 | $1,041,050 | $1,293,750 | $20,700 | 3.17% |
| CA | NAPA | $764,750 | $979,000 | $1,183,400 | $1,470,700 | $38,225 | 5.26% |
| CA | ORANGE | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| CA | PLACER | $569,250 | $728,750 | $880,900 | $1,094,700 | $17,250 | 3.13% |
| CA | SACRAMENTO | $569,250 | $728,750 | $880,900 | $1,094,700 | $17,250 | 3.13% |
| CA | SAN BENITO | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| CA | SAN DIEGO | $701,500 | $898,050 | $1,085,550 | $1,349,050 | $11,500 | 1.67% |
| CA | SAN FRANCISCO | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| CA | SAN LUIS OBISPO | $690,000 | $883,300 | $1,067,750 | $1,326,950 | $23,000 | 3.45% |
| CA | SAN MATEO | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| CA | SANTA BARBARA | $625,500 | $800,775 | $967,950 | $1,202,925 | $- | 0.00% |
| CA | SANTA CLARA | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| CA | SANTA CRUZ | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| CA | SONOMA | $704,950 | $902,450 | $1,090,850 | $1,355,700 | $- | 0.00% |
| CA | VENTURA | $713,000 | $912,750 | $1,103,350 | $1,371,150 | $- | 0.00% |
| CA | YOLO | $569,250 | $728,750 | $880,900 | $1,094,700 | $17,250 | 3.13% |
| CO | ADAMS | $575,000 | $736,100 | $889,800 | $1,105,800 | $13,800 | 2.46% |
| CO | ARAPAHOE | $575,000 | $736,100 | $889,800 | $1,105,800 | $13,800 | 2.46% |
| CO | BOULDER | $644,000 | $824,450 | $996,550 | $1,238,500 | $17,250 | 2.75% |
| CO | BROOMFIELD | $575,000 | $736,100 | $889,800 | $1,105,800 | $13,800 | 2.46% |
| CO | CLEAR CREEK | $575,000 | $736,100 | $889,800 | $1,105,800 | $13,800 | 2.46% |
| CO | DENVER | $575,000 | $736,100 | $889,800 | $1,105,800 | $13,800 | 2.46% |
| CO | DOUGLAS | $575,000 | $736,100 | $889,800 | $1,105,800 | $13,800 | 2.46% |
| CO | EAGLE | $750,950 | $961,350 | $1,162,050 | $1,444,150 | $54,050 | 7.76% |
| CO | ELBERT | $575,000 | $736,100 | $889,800 | $1,105,800 | $13,800 | 2.46% |
| CO | GARFIELD | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $46,850 | 6.52% |
| CO | GILPIN | $575,000 | $736,100 | $889,800 | $1,105,800 | $13,800 | 2.46% |
| CO | JEFFERSON | $575,000 | $736,100 | $889,800 | $1,105,800 | $13,800 | 2.46% |
| CO | LAKE | $625,500 | $800,775 | $967,950 | $1,202,925 | $- | 0.00% |
| CO | PARK | $575,000 | $736,100 | $889,800 | $1,105,800 | $13,800 | 2.46% |
| CO | PITKIN | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $46,850 | 6.52% |
| CO | ROUTT | $638,250 | $817,050 | $987,650 | $1,227,400 | $12,750 | 2.04% |
| CO | SAN MIGUEL | $625,500 | $800,775 | $967,950 | $1,202,925 | $- | 0.00% |
| CO | SUMMIT | $625,500 | $800,775 | $967,950 | $1,202,925 | $- | 0.00% |
| CT | FAIRFIELD | $601,450 | $769,950 | $930,700 | $1,156,650 | $- | 0.00% |
| DC | DISTRICT OF COL | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| FL | MONROE | $552,000 | $706,650 | $854,200 | $1,061,550 | $23,000 | 4.35% |
| GA | GREENE | $515,200 | $659,550 | $797,250 | $990,800 | $- | 0.00% |
| GU | GUAM | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| HI | HAWAII | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| HI | HONOLULU | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| HI | KALAWAO | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| HI | KAUAI | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| HI | MAUI | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| ID | BLAINE | $625,500 | $800,775 | $967,950 | $1,202,925 | $- | 0.00% |
| ID | CAMAS | $625,500 | $800,775 | $967,950 | $1,202,925 | $- | 0.00% |
| ID | LINCOLN | $625,500 | $800,775 | $967,950 | $1,202,925 | $- | 0.00% |
| ID | TETON | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| MA | DUKES | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| MA | ESSEX | $690,000 | $883,300 | $1,067,750 | $1,326,950 | $1,150 | 0.17% |
| MA | MIDDLESEX | $690,000 | $883,300 | $1,067,750 | $1,326,950 | $1,150 | 0.17% |
| MA | NANTUCKET | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| MA | NORFOLK | $690,000 | $883,300 | $1,067,750 | $1,326,950 | $1,150 | 0.17% |
| MA | PLYMOUTH | $690,000 | $883,300 | $1,067,750 | $1,326,950 | $1,150 | 0.17% |
| MA | SUFFOLK | $690,000 | $883,300 | $1,067,750 | $1,326,950 | $1,150 | 0.17% |
| MD | ANNE ARUNDEL | $520,950 | $666,900 | $806,150 | $1,001,850 | $3,450 | 0.67% |
| MD | BALTIMORE | $520,950 | $666,900 | $806,150 | $1,001,850 | $3,450 | 0.67% |
| MD | BALTIMORE CITY | $520,950 | $666,900 | $806,150 | $1,001,850 | $3,450 | 0.67% |
| MD | CALVERT | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| MD | CARROLL | $520,950 | $666,900 | $806,150 | $1,001,850 | $3,450 | 0.67% |
| MD | CHARLES | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| MD | FREDERICK | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| MD | HARFORD | $520,950 | $666,900 | $806,150 | $1,001,850 | $3,450 | 0.67% |
| MD | HOWARD | $520,950 | $666,900 | $806,150 | $1,001,850 | $3,450 | 0.67% |
| MD | MONTGOMERY | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| MD | PRINCE GEORGE'S | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| MD | QUEEN ANNE'S | $520,950 | $666,900 | $806,150 | $1,001,850 | $3,450 | 0.67% |
| MP | NORTHERN ISLAND | $524,400 | $671,300 | $811,450 | $1,008,450 | $- | 0.00% |
| MP | SAIPAN | $529,000 | $677,200 | $818,600 | $1,017,300 | $- | 0.00% |
| MP | TINIAN | $532,450 | $681,650 | $823,950 | $1,023,950 | $- | 0.00% |
| NC | CAMDEN | $625,500 | $800,775 | $967,950 | $1,202,925 | $- | 0.00% |
| NC | PASQUOTANK | $625,500 | $800,775 | $967,950 | $1,202,925 | $- | 0.00% |
| NC | PERQUIMANS | $625,500 | $800,775 | $967,950 | $1,202,925 | $- | 0.00% |
| NH | ROCKINGHAM | $690,000 | $883,300 | $1,067,750 | $1,326,950 | $1,150 | 0.17% |
| NH | STRAFFORD | $690,000 | $883,300 | $1,067,750 | $1,326,950 | $1,150 | 0.17% |
| NJ | BERGEN | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| NJ | ESSEX | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| NJ | HUDSON | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| NJ | HUNTERDON | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| NJ | MIDDLESEX | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| NJ | MONMOUTH | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| NJ | MORRIS | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| NJ | OCEAN | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| NJ | PASSAIC | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| NJ | SOMERSET | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| NJ | SUSSEX | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| NJ | UNION | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| NY | BRONX | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| NY | DUTCHESS | $726,525 | $930,300 | $1,124,475 | $1,397,400 | $- | 0.00% |
| NY | KINGS | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| NY | NASSAU | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| NY | NEW YORK | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| NY | ORANGE | $726,525 | $930,300 | $1,124,475 | $1,397,400 | $- | 0.00% |
| NY | PUTNAM | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| NY | QUEENS | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| NY | RICHMOND | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| NY | ROCKLAND | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| NY | SUFFOLK | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| NY | WESTCHESTER | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| PA | PIKE | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| TN | CANNON | $563,500 | $721,400 | $872,000 | $1,083,650 | $28,750 | 5.38% |
| TN | CHEATHAM | $563,500 | $721,400 | $872,000 | $1,083,650 | $28,750 | 5.38% |
| TN | DAVIDSON | $563,500 | $721,400 | $872,000 | $1,083,650 | $28,750 | 5.38% |
| TN | DICKSON | $563,500 | $721,400 | $872,000 | $1,083,650 | $28,750 | 5.38% |
| TN | HICKMAN | $534,750 | $684,550 | $827,500 | $1,028,350 | $- | 0.00% |
| TN | MACON | $563,500 | $721,400 | $872,000 | $1,083,650 | $28,750 | 5.38% |
| TN | MAURY | $563,500 | $721,400 | $872,000 | $1,083,650 | $28,750 | 5.38% |
| TN | ROBERTSON | $563,500 | $721,400 | $872,000 | $1,083,650 | $28,750 | 5.38% |
| TN | RUTHERFORD | $563,500 | $721,400 | $872,000 | $1,083,650 | $28,750 | 5.38% |
| TN | SMITH | $563,500 | $721,400 | $872,000 | $1,083,650 | $28,750 | 5.38% |
| TN | SUMNER | $563,500 | $721,400 | $872,000 | $1,083,650 | $28,750 | 5.38% |
| TN | TROUSDALE | $563,500 | $721,400 | $872,000 | $1,083,650 | $28,750 | 5.38% |
| TN | WILLIAMSON | $563,500 | $721,400 | $872,000 | $1,083,650 | $28,750 | 5.38% |
| TN | WILSON | $563,500 | $721,400 | $872,000 | $1,083,650 | $28,750 | 5.38% |
| UT | BOX ELDER | $646,300 | $827,400 | $1,000,100 | $1,242,900 | $161,950 | 33.44% |
| UT | DAVIS | $646,300 | $827,400 | $1,000,100 | $1,242,900 | $161,950 | 33.44% |
| UT | MORGAN | $646,300 | $827,400 | $1,000,100 | $1,242,900 | $161,950 | 33.44% |
| UT | SALT LAKE | $600,300 | $768,500 | $928,950 | $1,154,450 | $- | 0.00% |
| UT | SUMMIT | $762,450 | $976,100 | $1,179,850 | $1,466,250 | $35,925 | 4.94% |
| UT | TOOELE | $600,300 | $768,500 | $928,950 | $1,154,450 | $- | 0.00% |
| UT | WASATCH | $762,450 | $976,100 | $1,179,850 | $1,466,250 | $278,100 | 57.42% |
| UT | WEBER | $646,300 | $827,400 | $1,000,100 | $1,242,900 | $161,950 | 33.44% |
| VA | ALEXANDRIA | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| VA | AMELIA | $535,900 | $686,050 | $829,250 | $1,030,600 | $- | 0.00% |
| VA | ARLINGTON | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| VA | CAROLINE | $535,900 | $686,050 | $829,250 | $1,030,600 | $- | 0.00% |
| VA | CHARLES CITY | $535,900 | $686,050 | $829,250 | $1,030,600 | $- | 0.00% |
| VA | CHESTERFIELD | $535,900 | $686,050 | $829,250 | $1,030,600 | $- | 0.00% |
| VA | CLARKE | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| VA | COLONIAL HEIGHT | $535,900 | $686,050 | $829,250 | $1,030,600 | $- | 0.00% |
| VA | CULPEPER | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| VA | CUMBERLAND | $535,900 | $686,050 | $829,250 | $1,030,600 | $- | 0.00% |
| VA | DINWIDDIE | $535,900 | $686,050 | $829,250 | $1,030,600 | $- | 0.00% |
| VA | FAIRFAX | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| VA | FAIRFAX IND | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| VA | FALLS CHURCH | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| VA | FAUQUIER | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| VA | FREDERICKSBURG | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| VA | GOOCHLAND | $535,900 | $686,050 | $829,250 | $1,030,600 | $- | 0.00% |
| VA | HANOVER | $535,900 | $686,050 | $829,250 | $1,030,600 | $- | 0.00% |
| VA | HENRICO | $535,900 | $686,050 | $829,250 | $1,030,600 | $- | 0.00% |
| VA | HOPEWELL | $535,900 | $686,050 | $829,250 | $1,030,600 | $- | 0.00% |
| VA | KING AND QUEEN | $535,900 | $686,050 | $829,250 | $1,030,600 | $- | 0.00% |
| VA | KING WILLIAM | $535,900 | $686,050 | $829,250 | $1,030,600 | $- | 0.00% |
| VA | LOUDOUN | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| VA | LOUISA | $535,900 | $686,050 | $829,250 | $1,030,600 | $- | 0.00% |
| VA | MADISON | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $281,250 | 58.07% |
| VA | MANASSAS | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| VA | MANASSAS PARK | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| VA | NEW KENT | $535,900 | $686,050 | $829,250 | $1,030,600 | $- | 0.00% |
| VA | PETERSBURG | $535,900 | $686,050 | $829,250 | $1,030,600 | $- | 0.00% |
| VA | POWHATAN | $535,900 | $686,050 | $829,250 | $1,030,600 | $- | 0.00% |
| VA | PRINCE GEORGE | $535,900 | $686,050 | $829,250 | $1,030,600 | $- | 0.00% |
| VA | PRINCE WILLIAM | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| VA | RAPPAHANNOCK | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| VA | RICHMOND IND | $535,900 | $686,050 | $829,250 | $1,030,600 | $- | 0.00% |
| VA | SPOTSYLVANIA | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| VA | STAFFORD | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| VA | SUSSEX | $535,900 | $686,050 | $829,250 | $1,030,600 | $- | 0.00% |
| VA | WARREN | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| VI | ST. CROIX | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| VI | ST. JOHN,VI | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| VI | ST. THOMAS | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| WA | KING | $741,750 | $949,600 | $1,147,800 | $1,426,450 | $15,225 | 2.10% |
| WA | PIERCE | $741,750 | $949,600 | $1,147,800 | $1,426,450 | $15,225 | 2.10% |
| WA | SNOHOMISH | $741,750 | $949,600 | $1,147,800 | $1,426,450 | $15,225 | 2.10% |
| WV | JEFFERSON | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
| WY | TETON | $765,600 | $980,325 | $1,184,925 | $1,472,550 | $39,075 | 5.38% |
2019 VA Loan Limits
| STATE | STATE CODE | COUNTY/AREA | VA LOAN LIMIT | 2019 Increase | % Increase |
|---|---|---|---|---|---|
| Alaska | AK | ALEUTIANS EAST | $726,525 | $36,875 | 5.35% |
| Alaska | AK | ALEUTIANS WEST | $726,525 | $36,875 | 5.35% |
| Alaska | AK | ANCHORAGE | $726,525 | $36,875 | 5.35% |
| Alaska | AK | BETHEL | $726,525 | $36,875 | 5.35% |
| Alaska | AK | BRISTOL BAY | $726,525 | $36,875 | 5.35% |
| Alaska | AK | DENALI | $726,525 | $36,875 | 5.35% |
| Alaska | AK | DILLINGHAM | $726,525 | $36,875 | 5.35% |
| Alaska | AK | FAIRBANKS NORTH | $726,525 | $36,875 | 5.35% |
| Alaska | AK | HAINES | $726,525 | $36,875 | 5.35% |
| Alaska | AK | HOONAH-ANGOON | $726,525 | $36,875 | 5.35% |
| Alaska | AK | JUNEAU | $726,525 | $36,875 | 5.35% |
| Alaska | AK | KENAI PENINSULA | $726,525 | $36,875 | 5.35% |
| Alaska | AK | KETCHIKAN GATEWAY | $726,525 | $36,875 | 5.35% |
| Alaska | AK | KODIAK ISLAND | $726,525 | $36,875 | 5.35% |
| Alaska | AK | KUSILVAK CENSUS AREA | $726,525 | $36,875 | 5.35% |
| Alaska | AK | LAKE AND PENINSULA | $726,525 | $36,875 | 5.35% |
| Alaska | AK | MATANUSKA-SUSITNA | $726,525 | $36,875 | 5.35% |
| Alaska | AK | NOME | $726,525 | $36,875 | 5.35% |
| Alaska | AK | NORTH SLOPE | $726,525 | $36,875 | 5.35% |
| Alaska | AK | NORTHWEST ARCTIC | $726,525 | $36,875 | 5.35% |
| Alaska | AK | PETERSBURG CENSUS AREA | $726,525 | $36,875 | 5.35% |
| Alaska | AK | PRINCE OF WALES-HYDER | $726,525 | $36,875 | 5.35% |
| Alaska | AK | SITKA | $726,525 | $36,875 | 5.35% |
| Alaska | AK | SKAGWAY MUNICIPALITY | $726,525 | $36,875 | 5.35% |
| Alaska | AK | SOUTHEAST FAIRBANKS | $726,525 | $36,875 | 5.35% |
| Alaska | AK | VALDEZ-CORDOVA | $726,525 | $36,875 | 5.35% |
| Alaska | AK | WRANGELL CITY/BOROUGH | $726,525 | $36,875 | 5.35% |
| Alaska | AK | YAKUTAT CITY | $726,525 | $36,875 | 5.35% |
| Alaska | AK | YUKON-KOYUKUK | $726,525 | $36,875 | 5.35% |
| California | CA | SONOMA | $704,950 | $56,350 | 8.69% |
| California | CA | SAN LUIS OBISPO | $667,000 | $51,750 | 8.41% |
| California | CA | SOLANO | $494,500 | $34,500 | 7.50% |
| California | CA | ALAMEDA | $726,525 | $46,875 | 6.90% |
| California | CA | CONTRA COSTA | $726,525 | $46,875 | 6.90% |
| California | CA | LOS ANGELES | $726,525 | $46,875 | 6.90% |
| California | CA | MARIN | $726,525 | $46,875 | 6.90% |
| California | CA | NAPA | $726,525 | $46,875 | 6.90% |
| California | CA | ORANGE | $726,525 | $46,875 | 6.90% |
| California | CA | SAN BENITO | $726,525 | $46,875 | 6.90% |
| California | CA | SAN FRANCISCO | $726,525 | $46,875 | 6.90% |
| California | CA | SAN MATEO | $726,525 | $46,875 | 6.90% |
| California | CA | SANTA CLARA | $726,525 | $46,875 | 6.90% |
| California | CA | SANTA CRUZ | $726,525 | $46,875 | 6.90% |
| California | CA | EL DORADO | $552,000 | $34,500 | 6.67% |
| California | CA | PLACER | $552,000 | $34,500 | 6.67% |
| California | CA | SACRAMENTO | $552,000 | $34,500 | 6.67% |
| California | CA | YOLO | $552,000 | $34,500 | 6.67% |
| California | CA | SAN DIEGO | $690,000 | $40,250 | 6.19% |
| California | CA | VENTURA | $713,000 | $40,250 | 5.98% |
| California | CA | MONTEREY | $652,050 | $36,800 | 5.98% |
| California | CA | NEVADA | $486,450 | $9,200 | 1.93% |
| California | CA | MONO | $529,000 | $- | 0.00% |
| California | CA | SANTA BARBARA | $625,500 | $- | 0.00% |
| Colorado | CO | EAGLE | $696,900 | $60,750 | 9.55% |
| Colorado | CO | BOULDER | $626,750 | $48,300 | 8.35% |
| Colorado | CO | ADAMS | $561,200 | $32,200 | 6.09% |
| Colorado | CO | ARAPAHOE | $561,200 | $32,200 | 6.09% |
| Colorado | CO | BROOMFIELD | $561,200 | $32,200 | 6.09% |
| Colorado | CO | CLEAR CREEK | $561,200 | $32,200 | 6.09% |
| Colorado | CO | DENVER | $561,200 | $32,200 | 6.09% |
| Colorado | CO | DOUGLAS | $561,200 | $32,200 | 6.09% |
| Colorado | CO | ELBERT | $561,200 | $32,200 | 6.09% |
| Colorado | CO | GILPIN | $561,200 | $32,200 | 6.09% |
| Colorado | CO | JEFFERSON | $561,200 | $32,200 | 6.09% |
| Colorado | CO | PARK | $561,200 | $32,200 | 6.09% |
| Colorado | CO | GARFIELD | $718,750 | $39,100 | 5.75% |
| Colorado | CO | PITKIN | $718,750 | $39,100 | 5.75% |
| Colorado | CO | LAKE | $625,500 | $- | 0.00% |
| Colorado | CO | ROUTT | $625,500 | $- | 0.00% |
| Colorado | CO | SAN MIGUEL | $625,500 | $- | 0.00% |
| Colorado | CO | SUMMIT | $625,500 | $- | 0.00% |
| Connecticut | CT | FAIRFIELD | $601,450 | $- | 0.00% |
| District of Columbia | DC | DISTRICT OF COLUMBIA | $726,525 | $46,875 | 6.90% |
| Florida | FL | MONROE | $529,000 | $- | 0.00% |
| Georgia | GA | GREENE | $515,200 | $- | 0.00% |
| Guam | GU | GUAM | $726,525 | $46,875 | 6.90% |
| Hawaii | HI | HAWAII | $726,525 | $46,875 | 6.90% |
| Hawaii | HI | KALAWAO | $726,525 | $46,875 | 6.90% |
| Hawaii | HI | MAUI | $726,525 | $46,875 | 6.90% |
| Hawaii | HI | KAUAI | $726,525 | $13,525 | 1.90% |
| Hawaii | HI | HONOLULU | $726,525 | $5,475 | 0.76% |
| Idaho | ID | TETON | $726,525 | $46,875 | 6.90% |
| Idaho | ID | BLAINE | $625,500 | $- | 0.00% |
| Idaho | ID | CAMAS | $625,500 | $- | 0.00% |
| Idaho | ID | LINCOLN | $625,500 | $- | 0.00% |
| Maryland | MD | CALVERT | $726,525 | $46,875 | 6.90% |
| Maryland | MD | CHARLES | $726,525 | $46,875 | 6.90% |
| Maryland | MD | FREDERICK | $726,525 | $46,875 | 6.90% |
| Maryland | MD | MONTGOMERY | $726,525 | $46,875 | 6.90% |
| Maryland | MD | PRINCE GEORGE'S | $726,525 | $46,875 | 6.90% |
| Maryland | MD | ANNE ARUNDEL | $517,500 | $- | 0.00% |
| Maryland | MD | BALTIMORE | $517,500 | $- | 0.00% |
| Maryland | MD | BALTIMORE CITY | $517,500 | $- | 0.00% |
| Maryland | MD | CARROLL | $517,500 | $- | 0.00% |
| Maryland | MD | HARFORD | $517,500 | $- | 0.00% |
| Maryland | MD | HOWARD | $517,500 | $- | 0.00% |
| Maryland | MD | QUEEN ANNE'S | $517,500 | $- | 0.00% |
| Massachusetts | MA | ESSEX | $688,850 | $85,100 | 14.10% |
| Massachusetts | MA | MIDDLESEX | $688,850 | $85,100 | 14.10% |
| Massachusetts | MA | NORFOLK | $688,850 | $85,100 | 14.10% |
| Massachusetts | MA | PLYMOUTH | $688,850 | $85,100 | 14.10% |
| Massachusetts | MA | SUFFOLK | $688,850 | $85,100 | 14.10% |
| Massachusetts | MA | DUKES | $726,525 | $46,875 | 6.90% |
| Massachusetts | MA | NANTUCKET | $726,525 | $46,875 | 6.90% |
| New Hampshire | NH | ROCKINGHAM | $688,850 | $85,100 | 14.10% |
| New Hampshire | NH | STRAFFORD | $688,850 | $85,100 | 14.10% |
| New Jersey | NJ | BERGEN | $726,525 | $46,875 | 6.90% |
| New Jersey | NJ | ESSEX | $726,525 | $46,875 | 6.90% |
| New Jersey | NJ | HUDSON | $726,525 | $46,875 | 6.90% |
| New Jersey | NJ | HUNTERDON | $726,525 | $46,875 | 6.90% |
| New Jersey | NJ | MIDDLESEX | $726,525 | $46,875 | 6.90% |
| New Jersey | NJ | MONMOUTH | $726,525 | $46,875 | 6.90% |
| New Jersey | NJ | MORRIS | $726,525 | $46,875 | 6.90% |
| New Jersey | NJ | OCEAN | $726,525 | $46,875 | 6.90% |
| New Jersey | NJ | PASSAIC | $726,525 | $46,875 | 6.90% |
| New Jersey | NJ | SOMERSET | $726,525 | $46,875 | 6.90% |
| New Jersey | NJ | SUSSEX | $726,525 | $46,875 | 6.90% |
| New Jersey | NJ | UNION | $726,525 | $46,875 | 6.90% |
| New York | NY | BRONX | $726,525 | $46,875 | 6.90% |
| New York | NY | DUTCHESS | $726,525 | $46,875 | 6.90% |
| New York | NY | KINGS | $726,525 | $46,875 | 6.90% |
| New York | NY | NASSAU | $726,525 | $46,875 | 6.90% |
| New York | NY | NEW YORK | $726,525 | $46,875 | 6.90% |
| New York | NY | ORANGE | $726,525 | $46,875 | 6.90% |
| New York | NY | PUTNAM | $726,525 | $46,875 | 6.90% |
| New York | NY | QUEENS | $726,525 | $46,875 | 6.90% |
| New York | NY | RICHMOND | $726,525 | $46,875 | 6.90% |
| New York | NY | ROCKLAND | $726,525 | $46,875 | 6.90% |
| New York | NY | SUFFOLK | $726,525 | $46,875 | 6.90% |
| New York | NY | WESTCHESTER | $726,525 | $46,875 | 6.90% |
| North Carolina | NC | CAMDEN | $625,500 | $- | 0.00% |
| North Carolina | NC | PASQUOTANK | $625,500 | $- | 0.00% |
| North Carolina | NC | PERQUIMANS | $625,500 | $- | 0.00% |
| Northern Mariana Islands | MP | NORTHERN ISLAND | $524,400 | $- | 0.00% |
| Northern Mariana Islands | MP | SAIPAN | $529,000 | $- | 0.00% |
| Northern Mariana Islands | MP | TINIAN | $532,450 | $- | 0.00% |
| Pennsylvania | PA | PIKE | $726,525 | $46,875 | 6.90% |
| Tennesee | TN | CANNON | $534,750 | $40,250 | 8.14% |
| Tennesee | TN | CHEATHAM | $534,750 | $40,250 | 8.14% |
| Tennesee | TN | DAVIDSON | $534,750 | $40,250 | 8.14% |
| Tennesee | TN | DICKSON | $534,750 | $40,250 | 8.14% |
| Tennesee | TN | HICKMAN | $534,750 | $40,250 | 8.14% |
| Tennesee | TN | MACON | $534,750 | $40,250 | 8.14% |
| Tennesee | TN | MAURY | $534,750 | $40,250 | 8.14% |
| Tennesee | TN | ROBERTSON | $534,750 | $40,250 | 8.14% |
| Tennesee | TN | RUTHERFORD | $534,750 | $40,250 | 8.14% |
| Tennesee | TN | SMITH | $534,750 | $40,250 | 8.14% |
| Tennesee | TN | SUMNER | $534,750 | $40,250 | 8.14% |
| Tennesee | TN | TROUSDALE | $534,750 | $40,250 | 8.14% |
| Tennesee | TN | WILLIAMSON | $534,750 | $40,250 | 8.14% |
| Tennesee | TN | WILSON | $534,750 | $40,250 | 8.14% |
| Utah | UT | SUMMIT | $726,525 | $46,875 | 6.90% |
| Utah | UT | SALT LAKE | $600,300 | $- | 0.00% |
| Utah | UT | TOOELE | $600,300 | $- | 0.00% |
| Virgin Islands | VI | ST. CROIX | $726,525 | $46,875 | 6.90% |
| Virgin Islands | VI | ST. JOHN | $726,525 | $46,875 | 6.90% |
| Virgin Islands | VI | ST. THOMAS | $726,525 | $46,875 | 6.90% |
| Virginia | VA | ALEXANDRIA | $726,525 | $46,875 | 6.90% |
| Virginia | VA | ARLINGTON | $726,525 | $46,875 | 6.90% |
| Virginia | VA | CLARKE | $726,525 | $46,875 | 6.90% |
| Virginia | VA | CULPEPER | $726,525 | $46,875 | 6.90% |
| Virginia | VA | FAIRFAX | $726,525 | $46,875 | 6.90% |
| Virginia | VA | FAIRFAX INDEPENDENT CITY | $726,525 | $46,875 | 6.90% |
| Virginia | VA | FALLS CHURCH | $726,525 | $46,875 | 6.90% |
| Virginia | VA | FAUQUIER | $726,525 | $46,875 | 6.90% |
| Virginia | VA | FREDERICKSBURG | $726,525 | $46,875 | 6.90% |
| Virginia | VA | LOUDOUN | $726,525 | $46,875 | 6.90% |
| Virginia | VA | MANASSAS | $726,525 | $46,875 | 6.90% |
| Virginia | VA | MANASSAS PARK | $726,525 | $46,875 | 6.90% |
| Virginia | VA | PRINCE WILLIAM | $726,525 | $46,875 | 6.90% |
| Virginia | VA | RAPPAHANNOCK | $726,525 | $46,875 | 6.90% |
| Virginia | VA | SPOTSYLVANIA | $726,525 | $46,875 | 6.90% |
| Virginia | VA | STAFFORD | $726,525 | $46,875 | 6.90% |
| Virginia | VA | WARREN | $726,525 | $46,875 | 6.90% |
| Virginia | VA | AMELIA | $535,900 | $- | 0.00% |
| Virginia | VA | CAROLINE | $535,900 | $- | 0.00% |
| Virginia | VA | CHARLES CITY | $535,900 | $- | 0.00% |
| Virginia | VA | CHESTERFIELD | $535,900 | $- | 0.00% |
| Virginia | VA | COLONIAL HEIGHTS | $535,900 | $- | 0.00% |
| Virginia | VA | CUMBERLAND | $535,900 | $- | 0.00% |
| Virginia | VA | DINWIDDIE | $535,900 | $- | 0.00% |
| Virginia | VA | GOOCHLAND | $535,900 | $- | 0.00% |
| Virginia | VA | HANOVER | $535,900 | $- | 0.00% |
| Virginia | VA | HENRICO | $535,900 | $- | 0.00% |
| Virginia | VA | HOPEWELL | $535,900 | $- | 0.00% |
| Virginia | VA | KING AND QUEEN | $535,900 | $- | 0.00% |
| Virginia | VA | KING WILLIAM | $535,900 | $- | 0.00% |
| Virginia | VA | LOUISA | $535,900 | $- | 0.00% |
| Virginia | VA | NEW KENT | $535,900 | $- | 0.00% |
| Virginia | VA | PETERSBURG | $535,900 | $- | 0.00% |
| Virginia | VA | POWHATAN | $535,900 | $- | 0.00% |
| Virginia | VA | PRINCE GEORGE | $535,900 | $- | 0.00% |
| Virginia | VA | RICHMOND INDEPENDENT CITY | $535,900 | $- | 0.00% |
| Virginia | VA | SUSSEX | $535,900 | $- | 0.00% |
| Washington | WA | KING | $726,525 | $59,525 | 8.92% |
| Washington | WA | PIERCE | $726,525 | $59,525 | 8.92% |
| Washington | WA | SNOHOMISH | $726,525 | $59,525 | 8.92% |
| West Virginia | WV | JEFFERSON | $726,525 | $46,875 | 6.90% |
| Wyoming | WY | TETON | $726,525 | $46,875 | 6.90% |
Use the HUD loan look-up tool to check the current loan limits where you want to buy. This tool allows you to look up the FHA or GSE mortgage limits for one or more areas, and list them by state, county, or Metropolitan Statistical Area.
Regional Loan Center Info:
Cleveland Department of Veterans Affairs
VA Regional Loan Center
1240 East Ninth Street
Cleveland, OH 44199
Denver Department of Veterans Affairs
VA Regional Loan Center
155 Van Gordon Street
Lakewood, CO 80228
Honolulu Department of Veterans Affairs
VA Regional Office
Loan Guaranty Division (26)
459 Patterson Rd.
Honolulu, HI 96819
* Not an RLC but can handle all Loan Guaranty matters for Hawaii.
Phoenix Department of Veterans Affairs
VA Regional Loan Center
3333 N. Central Avenue
Phoenix, AZ 85012-2402
Roanoke Department of Veterans Affairs
VA Regional Loan Center
210 First Street
Roanoke, VA 24011
St. Paul Department of Veterans Affairs
VA Regional Loan Center
1 Federal Drive, Ft. Snelling.
St. Paul, MN 55111
St. Petersburg Department of Veterans Affairs
VA Regional Loan Center
9500 Bay Pines Blvd.
St. Petersburg, FL 33708