HUD publishes VA loan limits county-by-county every December. We track all 3,235 of them, straight from HUD's official file. Pick your state to see each county's 2026 one- to four-unit limits.
For veterans with full entitlement, no state or county loan limit applies — you can borrow what a lender approves anywhere with $0 down. State veteran benefits still vary: programs like CalVet, Texas VLB, Oregon ODVA, and Wisconsin WHEDA add their own low-rate or assistance options on top of a VA loan.
Full entitlement removes the VA loan limit nationwide — no state or county cap applies
Reduced-entitlement borrowers use the 2026 FHFA conforming limit for their county
State veteran loan programs (CalVet, Texas VLB, Oregon ODVA, Wisconsin WHEDA) can pair with a VA loan
Many states offer property tax exemptions for disabled veterans
Alaska, Hawaii, Guam, and the USVI have their own conforming-limit exceptions for reduced-entitlement borrowers
What this means for your mortgage
Loan limits don't apply with full entitlement, but state veteran programs and property tax exemptions still vary — check what your state adds.
Reviewed by the licensed mortgage team at Simply Approved Mortgages · Last verified August 31, 2026 against the VA Lenders Handbook (M26-7)
Each state page lists every county with its official 2026 limits and links to a full county profile. Simply Approved Mortgages LLC is licensed to arrange residential mortgage loans in Florida and Colorado only — every other state page is published for general educational purposes and is not an offer or solicitation to lend in that state.
SAM is the Simply Approved Mortgages AI assistant, grounded in the VA Lenders Handbook M26-7, 38 CFR Part 36 and the county loan-limit file behind this page. It answers general VA questions. A licensed mortgage loan originator reviews every scenario before any terms are confirmed.
Hi — I'm SAM with Simply Approved Mortgages. Ask a question about VA loans by state, or pick one of the popular questions beside this box.
AI assistant — general VA loan education only, not financial, legal or tax advice, not a loan approval, pre-approval or commitment to lend. Simply Approved Mortgages LLC (NMLS #2620881) is an independent mortgage broker and is not the VA, HUD or any government agency, and is not endorsed by them. All loans are subject to lender underwriting, appraisal and final approval. Equal Housing Opportunity.
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Verified against VA Lenders Handbook M26-7, Change 6 — August 12, 2026. Simply Approved Mortgages is not affiliated with or endorsed by HUD, VA, or any government agency.
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