The 2019 VA loan limit increased to $484,350 from $453,100 except in 199 high cost counties where they are higher. This represents a 6.9% increase this year. For comparison there are 3,234 counties and county equivalents. The maximum conforming VA loan limits for mortgages acquired by Fannie Mae and Freddie Mac are determined by the The Federal Housing Finance Agency (FHFA).
2019 VA loan limits apply to all loans closed January 1, 2019 through December 31, 2019. The 2020 VA loan limits are expected to be announced in early December, 2020.
These limits 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 $484,350.
21 counties dropped off the high cost county limits (Alpine, CA, Hood River, OR, San Juan, WA, 3 North Carolina Counties and 15 Virginia counties). No counties were added to the list and 47 counties saw no change. All high cost counties in Massachusetts and New Hampshire saw the greatest increase at over 14%.
Update: 2020 VA Loan Limits are going away and 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%.
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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