2025 VA Loan Limit Calculator
Veterans and eligible service members with reduced VA loan entitlement must follow VA loan limits. VA loan limits do not determine the maximum amount you can borrow but help determine how much you can borrow without needing to factor in a down payment.
VA loan limits no longer apply if you have your full VA loan entitlement.
County Loan Limit
Looking to Refinance Your VA Loan?
Introduction to VA Loan County Loan Limits
VA loans offer eligible veterans and service members a pathway to homeownership with competitive benefits. One critical factor to understand is VA loan county loan limits, which dictate how much you can borrow without needing a down payment. In this guide, we will break down how these limits work, how they vary by location, and what changes to expect in 2025.
How VA Loan Limits Work
VA loan limits are set based on conforming loan limits established by the Federal Housing Finance Agency (FHFA). While there is no hard limit on VA loans for borrowers with full entitlement, those with remaining entitlement must adhere to county loan limits. Here’s how they work:
The FHFA updates loan limits annually based on housing market trends.
Counties with higher housing costs have higher VA loan limits.
If you exceed the limit, a down payment may be required.
Why County Loan Limits Matter
VA loan limits are essential because they determine how much you can finance without making a down payment. Since housing prices fluctuate, these limits help ensure fair access to homeownership across various regions. If you’re purchasing in a high-cost county, understanding these limits can save you thousands.
Changes to VA Loan Limits in 2025
Each year, the FHFA adjusts loan limits to reflect market conditions. For 2025:
The baseline conforming loan limit is expected to rise due to increasing home values.
High-cost areas may see limits exceeding $1 million.
Veterans with full entitlement continue to have no VA loan limit.
VA Loan Limits by State and County
Below is a sample of VA loan limits for 2025 in select high-cost counties:
| State | County | 2025 VA Loan Limit |
| California | Los Angeles County | $1,209,750 |
| New York | New York County | $1,209,750 |
| Virginia | Arlington County | $1,209,750 |
| Alaska | Anchorage Municipality | $1,209,750 |
| Washington | Pierce County | $1,037,300 |
How to Find Your County’s VA Loan Limit
You can determine your county’s VA loan limit for 2025 by simply putting in your location (city, county, or military base) into our VA County Loan Limit Calculator.
What Happens if You Exceed VA Loan Limits?
If you exceed the county loan limit, you may still qualify for a VA loan but will need to make a down payment on the excess amount. The formula typically follows:
Down Payment Required = (Loan Amount – County Loan Limit) × 25%
Looking to Purchase a Home in 2025?
Frequently Asked Questions
Only for those with remaining entitlement. Borrowers with full entitlement have no set loan limit.
It varies by county but can exceed $1 million in certain locations.
The VA follows the FHFA conforming loan limits, adjusting annually based on market trends.
Yes, but you may need to make a down payment on the excess amount.
Yes, the same limits apply when refinancing a home with a VA loan.
By visiting WeVett’s VA County Loan Limit Calculator and inputting your desired location.
