Set by HUD Mortgagee Letter 2026 FHFA Conforming Loan Limit Values and effective 2026-01-01. Floor $832,750 · Ceiling $1,249,125.
No-obligation VA pre-qualification review.
Since the Blue Water Navy Vietnam Veterans Act took effect January 1, 2020, there is no VA loan limit for borrowers with full entitlement — you can borrow whatever a lender approves with $0 down. Limits only apply to veterans with reduced entitlement (an existing VA loan), where the cap matches the county's FHFA conforming loan limit.
With full entitlement, there's no VA loan limit — your ceiling is whatever a lender qualifies you for.
Reviewed by the licensed mortgage team at Simply Approved Mortgages · Last verified August 24, 2026 against the VA Lenders Handbook (M26-7)
Estimate my VA paymentLast verified against HUD on August 28, 2026. Limits auto-refresh monthly from the official HUDCLIPS Mortgagee Letter index.
| Property type | Baseline | Ceiling | Hawaii/AK ceiling |
|---|---|---|---|
| 1-unit | $832,750 | $1,249,125 | $1,299,500 |
| 2-unit | $1,066,250 | $1,599,375 | $2,399,050 |
| 3-unit | $1,288,800 | $1,933,200 | $2,899,800 |
| 4-unit | $1,601,750 | $2,402,625 | $3,603,925 |
Source: HUD Mortgagee Letter 2026 FHFA Conforming Loan Limit Values (forward mortgages). County-specific limits: entp.hud.gov county lookup.
| State | Baseline | Ceiling | High-cost counties |
|---|---|---|---|
| Alabama | $832,750 | — | — |
| Alaska | $832,750 | varies — see HUD | Aleutians East, Aleutians West, Juneau, Kenai Peninsula… |
| Arizona | $832,750 | varies — see HUD | Coconino |
| Arkansas | $832,750 | — | — |
| California | $832,750 | $1,249,125 | Los Angeles, Orange, San Francisco, San Mateo… |
| Colorado | $832,750 | $1,249,125 | Boulder, Denver, Eagle, Pitkin… |
| Connecticut | $832,750 | varies — see HUD | Fairfield |
| Delaware | $832,750 | — | — |
| Florida | $832,750 | varies — see HUD | Monroe, Miami-Dade, Broward, Palm Beach… |
| Georgia | $832,750 | varies — see HUD | Greene |
| Hawaii | $586,500 | $1,299,500 | Honolulu, Maui, Kauai, Hawaii |
| Idaho | $832,750 | varies — see HUD | Blaine, Teton |
| Illinois | $832,750 | — | — |
| Indiana | $832,750 | — | — |
| Iowa | $832,750 | — | — |
| Kansas | $832,750 | — | — |
| Kentucky | $832,750 | — | — |
| Louisiana | $832,750 | — | — |
| Maine | $832,750 | varies — see HUD | Cumberland, York |
| Maryland | $832,750 | $1,249,125 | Montgomery, Prince George's, Calvert, Charles… |
| Massachusetts | $832,750 | $1,249,125 | Nantucket, Dukes, Suffolk, Middlesex… |
| Michigan | $832,750 | — | — |
| Minnesota | $832,750 | — | — |
| Mississippi | $832,750 | — | — |
| Missouri | $832,750 | — | — |
| Montana | $832,750 | varies — see HUD | Gallatin, Madison |
| Nebraska | $832,750 | — | — |
| Nevada | $832,750 | varies — see HUD | Douglas, Washoe, Storey |
| New Hampshire | $832,750 | varies — see HUD | Rockingham, Strafford |
| New Jersey | $832,750 | $1,249,125 | Bergen, Essex, Hudson, Hunterdon… |
| New Mexico | $832,750 | — | — |
| New York | $832,750 | $1,249,125 | New York, Kings, Queens, Bronx… |
| North Carolina | $832,750 | varies — see HUD | Camden, Currituck, Dare, Pasquotank… |
| North Dakota | $832,750 | — | — |
| Ohio | $832,750 | — | — |
| Oklahoma | $832,750 | — | — |
| Oregon | $832,750 | varies — see HUD | Hood River, Deschutes |
| Pennsylvania | $832,750 | varies — see HUD | Bucks, Chester, Montgomery, Pike |
| Rhode Island | $832,750 | — | — |
| South Carolina | $832,750 | varies — see HUD | Beaufort |
| South Dakota | $832,750 | — | — |
| Tennessee | $832,750 | varies — see HUD | Williamson, Davidson, Cannon, Cheatham… |
| Texas | $832,750 | varies — see HUD | Collin, Dallas, Denton, Ellis… |
| Utah | $832,750 | $1,249,125 | Summit, Wasatch |
| Vermont | $832,750 | — | — |
| Virginia | $832,750 | $1,249,125 | Arlington, Clarke, Culpeper, Fairfax… |
| Washington | $832,750 | varies — see HUD | King, Snohomish, Pierce, San Juan… |
| West Virginia | $832,750 | — | — |
| Wisconsin | $832,750 | — | — |
| Wyoming | $832,750 | $1,249,125 | Teton |
| District of Columbia | $1,249,125 | — | District of Columbia |
| Puerto Rico | $832,750 | varies — see HUD | San Juan, Guaynabo, Carolina, Bayamon… |
| Guam | $563,500 | — | Guam |
| U.S. Virgin Islands | $832,750 | $1,121,250 | St. John, St. Thomas |
| American Samoa | $832,750 | — | — |
| Northern Mariana Islands | $832,750 | — | — |
Sources: U.S. Department of Veterans Affairs (VA loan limits) · FHFA (Conforming loan limit schedule)
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