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2022 VA Loan Limit Calculator

VA loan limits no longer apply to qualified Veterans with their full VA loan entitlement.

Veterans with reduced VA loan entitlement must still follow VA loan limits. Keep in mind, VA loan limits are not a maximum on how much you can borrow but help determine how much you can borrow without needing to factor in a down payment.

VA Loan Limit Calculator



Standard VA Loan Limit

$647,200

About VA Loan Limits

VA loan limits received a massive increase in 2022. The standard VA loan limit in 2022 is $647,200 for most U.S. counties, increasing from $548,250 in 2021.

VA loan limits also increased for high-cost counties, topping out at $970,800 for a single-family home.

VA loan limits do not represent a cap or max loan amount. Veterans with their full entitlement can get as much as a lender is willing to give them without needing a down payment. However, Veterans with one or more active VA loans or who have defaulted on a previous VA loan will encounter the limits, which will in part determine their zero-down buying power.

VA Loan Limit Example

Let’s assume you’re currently using $60,000 of your VA loan entitlement and want to purchase a new home in a standard cost county ($647,200 loan limit). Because the VA guarantees a quarter of the loan amount, the maximum entitlement in this county is currently $161,800.

Here’s how the typical VA loan limit calculations look:

  • $161,800 - $60,000 in current entitlement = $101,800 remaining entitlement
  • $101,800 remaining entitlement x 4 = $407,200

$407,200 represents how much you can borrow before needing a down payment.

In this example, you can purchase a home with $0 down up to $407,200. Anything above that mark would require a down payment equal to 25 percent of the difference between that ceiling and the purchase price.

VA Loan Limit Table by County

VA loan limits determine how much a Veteran with reduced entitlement can borrow before needing to factor in a down payment. VA loan limits vary by county and currently range from $647,200 to $970,800.

The table below breaks out VA loan limits by county. If you're unsure of your county, use our calculator above and input a city or zip code.

Keep in mind, if you have full VA entitlement, VA loan limits won't apply. If you're unsure if you have remaining entitlement, Veterans United is here to help. Contact a home loan specialist today.

VA Loan Limits by County

  • AL
    • All areas $647,200
  • AK
    • Aleutians East $970,800
    • Aleutians West $970,800
    • Anchorage $970,800
    • Bethel $970,800
    • Bristol Bay $970,800
    • Denali $970,800
    • Dillingham $970,800
    • Fairbanks North Star $970,800
    • Haines $970,800
    • Hoonah Angoon $970,800
    • Juneau $970,800
    • Kenai Peninsula $970,800
    • Ketchikan Gateway $970,800
    • Kodiak Island $970,800
    • Kusilvak $970,800
    • Lake And Peninsula $970,800
    • Matanuska Susitna $970,800
    • Nome $970,800
    • North Slope $970,800
    • Northwest Arctic $970,800
    • Petersburg $970,800
    • Prince Of Wales Hyder $970,800
    • Sitka $970,800
    • Skagway $970,800
    • Southeast Fairbanks $970,800
    • Valdez Cordova $970,800
    • Wrangell $970,800
    • Yakutat $970,800
    • Yukon Koyukuk $970,800
    • All other areas $647,200
  • AZ
    • All areas $647,200
  • AR
    • All areas $647,200
  • CA
    • Alameda $970,800
    • Contra Costa $970,800
    • El Dorado $675,050
    • Los Angeles $970,800
    • Marin $970,800
    • Monterey $854,450
    • Napa $897,000
    • Orange $970,800
    • Placer $675,050
    • Sacramento $675,050
    • San Benito $970,800
    • San Diego $879,750
    • San Francisco $970,800
    • San Luis Obispo $805,000
    • San Mateo $970,800
    • Santa Barbara $783,150
    • Santa Clara $970,800
    • Santa Cruz $970,800
    • Sonoma $764,750
    • Ventura $851,000
    • Yolo $675,050
    • All other areas $647,200
  • CO
    • Adams $684,250
    • Arapahoe $684,250
    • Boulder $747,500
    • Broomfield $684,250
    • Clear Creek $684,250
    • Denver $684,250
    • Douglas $684,250
    • Eagle $862,500
    • Elbert $684,250
    • Garfield $856,750
    • Gilpin $684,250
    • Jefferson $684,250
    • Park $684,250
    • Pitkin $856,750
    • Routt $678,500
    • San Miguel $756,700
    • Summit $822,375
    • All other areas $647,200
  • CT
    • Fairfield $695,750
    • All other areas $647,200
  • DE
    • All areas $647,200
  • FL
    • Monroe $710,700
    • All other areas $647,200
  • GA
    • All areas $647,200
  • HI
    • Hawaii $970,800
    • Honolulu $970,800
    • Kalawao $970,800
    • Kauai $970,800
    • Maui $970,800
  • ID
    • Blaine $648,600
    • Camas $648,600
    • Teton $970,800
    • All other areas $647,200
  • IL
    • All areas $647,200
  • IN
    • All areas $647,200
  • IA
    • All areas $647,200
  • KS
    • All areas $647,200
  • KY
    • All areas $647,200
  • LA
    • All areas $647,200
  • ME
    • All areas $647,200
  • MD
    • Calvert $970,800
    • Charles $970,800
    • Frederick $970,800
    • Montgomery $970,800
    • Prince Georges $970,800
    • All other areas $647,200
  • MA
    • Dukes $970,800
    • Essex $770,500
    • Middlesex $770,500
    • Nantucket $970,800
    • Norfolk $770,500
    • Plymouth $770,500
    • Suffolk $770,500
    • All other areas $647,200
  • MI
    • All areas $647,200
  • MN
    • All areas $647,200
  • MS
    • All areas $647,200
  • MO
    • All areas $647,200
  • MT
    • All areas $647,200
  • NE
    • All areas $647,200
  • NV
    • All areas $647,200
  • NH
    • Rockingham $770,500
    • Strafford $770,500
    • All other areas $647,200
  • NJ
    • Bergen $970,800
    • Essex $970,800
    • Hudson $970,800
    • Hunterdon $970,800
    • Middlesex $970,800
    • Monmouth $970,800
    • Morris $970,800
    • Ocean $970,800
    • Passaic $970,800
    • Somerset $970,800
    • Sussex $970,800
    • Union $970,800
    • All other areas $647,200
  • NM
    • All areas $647,200
  • NY
    • Bronx $970,800
    • Dutchess $726,525
    • Kings $970,800
    • Nassau $970,800
    • New York $970,800
    • Orange $726,525
    • Putnam $970,800
    • Queens $970,800
    • Richmond $970,800
    • Rockland $970,800
    • Suffolk $970,800
    • Westchester $970,800
    • All other areas $647,200
  • NC
    • All areas $647,200
  • ND
    • All areas $647,200
  • OH
    • All areas $647,200
  • OK
    • All areas $647,200
  • OR
    • All areas $647,200
  • PA
    • Pike $970,800
    • All other areas $647,200
  • RI
    • All areas $647,200
  • SC
    • All areas $647,200
  • SD
    • All areas $647,200
  • TN
    • Cannon $694,600
    • Cheatham $694,600
    • Davidson $694,600
    • Dickson $694,600
    • Macon $694,600
    • Maury $694,600
    • Robertson $694,600
    • Rutherford $694,600
    • Smith $694,600
    • Sumner $694,600
    • Trousdale $694,600
    • Williamson $694,600
    • Wilson $694,600
    • All other areas $647,200
  • TX
    • All areas $647,200
  • UT
    • Summit $970,800
    • Wasatch $970,800
    • All other areas $647,200
  • VT
    • All areas $647,200
  • VA
    • Alexandria City $970,800
    • Arlington $970,800
    • Clarke $970,800
    • Culpeper $970,800
    • Fairfax $970,800
    • Fairfax City $970,800
    • Falls Church City $970,800
    • Fauquier $970,800
    • Fredericksburg City $970,800
    • Loudoun $970,800
    • Madison $970,800
    • Manassas City $970,800
    • Manassas Park City $970,800
    • Prince William $970,800
    • Rappahannock $970,800
    • Spotsylvania $970,800
    • Stafford $970,800
    • Warren $970,800
    • All other areas $647,200
  • WA
    • King $891,250
    • Pierce $891,250
    • Snohomish $891,250
    • All other areas $647,200
  • WV
    • Jefferson $970,800
    • All other areas $647,200
  • WI
    • All areas $647,200
  • WY
    • Teton $970,800
    • All other areas $647,200
  • DC
    • District Of Columbia $970,800
  • GU
    • Guam $970,800
    • All other areas $647,200
  • VI
    • Saint Croix $970,800
    • Saint John $970,800
    • Saint Thomas $970,800
    • All other areas $647,200

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