VA Loans by State
VA loans by state — 2026 county limits.
If you have full VA entitlement, there is no VA loan limit: you can buy with $0 down at any price a lender approves and the appraisal supports. County limits only come into play when your entitlement is partial — for example, while an earlier VA loan is still open. Pick your state for its 2026 county figures.
- VA loans in Texas
1,500,000 veterans · 1-unit baseline $832,750
- VA loans in Florida
1,500,000 veterans · 1-unit baseline $832,750
Highest county in our table: Monroe (Florida Keys), $990,150
- VA loans in California
1,600,000 veterans · 1-unit baseline $832,750
Highest county in our table: San Francisco, $1,249,125
- VA loans in North Carolina
700,000 veterans · 1-unit baseline $832,750
- VA loans in Virginia
700,000 veterans · 1-unit baseline $832,750
Highest county in our table: Arlington (Pentagon / DC suburbs), $1,249,125
- VA loans in Georgia
700,000 veterans · 1-unit baseline $832,750
- VA loans in Tennessee
470,000 veterans · 1-unit baseline $832,750
Highest county in our table: Davidson (Nashville), $1,029,250
- VA loans in Pennsylvania
700,000 veterans · 1-unit baseline $832,750
Highest county in our table: Pike, $1,209,750
- VA loans in Ohio
720,000 veterans · 1-unit baseline $832,750
- VA loans in Arizona
470,000 veterans · 1-unit baseline $832,750
Does a county limit apply to you?
It depends on your entitlement, not your county.
A first-time VA buyer usually has full entitlement and no limit. If you’ve used your benefit before and haven’t had it restored, the county limit sets how much you can borrow before a down payment is needed.