VA loans by state and county
2026 FHFA conforming loan limits, home price context, and local military communities — for all 50 states. A borrower with full VA entitlement has no VA loan limit, subject to lender approval, ability to repay, and appraised value or purchase price.
How county limits affect VA entitlement
If you have full entitlement, VA does not impose a loan limit. You still must qualify with a lender, and the property appraisal must support the purchase price. If you have partial entitlement because prior entitlement has not been restored, the one-unit FHFA conforming loan limit for the property’s county helps determine the remaining VA guaranty and whether a down payment may be needed.
Sources: VA entitlement and loan limits and FHFA’s 2026 conforming loan limits.
Find your state and county
Choose a state below, then select the county where the property is located. Each state guide shows county-level 2026 FHFA values and local pages where available. These are conforming loan limits—not a maximum loan amount for a borrower with full VA entitlement.
How to use this directory
- 1. Check entitlement first. Request a current Certificate of Eligibility (COE). Full entitlement means VA does not set a loan limit, but it does not guarantee zero down or approval: the lender still evaluates income, debts, credit, occupancy, and the property, while the appraisal must support value. If prior entitlement remains charged, use the COE to identify that amount before estimating a down payment.
- 2. Use the property’s county. Open the state guide and select the county where the home is located. For 2026, the one-unit FHFA baseline is $832,750 in most areas and the high-cost ceiling is $1,249,125. Alaska and Hawaii use a $1,249,125 special-area baseline. These values help calculate guaranty for remaining entitlement; they are not caps for full entitlement.
- 3. Separate education from availability. Every state name remains available here for research, including county values and local context. A state guide does not mean Bolt Home Loans LLC is licensed or offering loans there. Check the current licensing page, then have a licensed lender verify entitlement, occupancy, appraisal, underwriting, and cash-to-close for the actual transaction.
How to interpret the county value: if your COE shows entitlement already charged to another VA loan, the county’s one-unit conforming value is an input to the remaining-guaranty calculation—not your personal approval amount. Two borrowers considering the same county can need different down payments because their used entitlement, purchase prices, and available guaranty differ. Ask the lender to show the calculation in dollars before writing an offer, and rerun it if the county, price, or status of the earlier VA loan changes.
Primary sources: VA guidance on entitlement and loan limits and FHFA’s 2026 conforming-limit announcement.