The 2018 VA loan limit increased to $453,100 in 2018 from $424,100 except in 220 high-cost counties where they are higher. This represents a 6.8% increase this year. For comparison, there are 3,234 counties and county equivalents. The maximum conforming VA loan limits for mortgages acquired by Fannie Mae and Freddie Mac are determined by The Federal Housing Finance Agency (FHFA).

2018 VA Loan limits apply to all loans closed January 1, 2018, through December 31, 2018.

These limits do apply to most military borrowers. These increased VA loan limits are intended to allow military borrowers in more expensive loan markets to borrow more without having to put any money down. In most markets, the VA loan limit is $453,100.

2018 Loan Limits are effective January 1, 2018.

VA can buy a home with $0 down

2018 VA Loan Limits

Alaska AK ALEUTIANS EAST $679,650 Denver
Alaska AK ALEUTIANS WEST $679,650 Denver
Alaska AK ANCHORAGE $679,650 Denver
Alaska AK BETHEL $679,650 Denver
Alaska AK BRISTOL BAY $679,650 Denver
Alaska AK DENALI $679,650 Denver
Alaska AK DILLINGHAM $679,650 Denver
Alaska AK FAIRBANKS NORTH $679,650 Denver
Alaska AK HAINES $679,650 Denver
Alaska AK HOONAH-ANGOON $679,650 Denver
Alaska AK JUNEAU $679,650 Denver
Alaska AK KENAI PENINSULA $679,650 Denver
Alaska AK KETCHIKAN GATEWAY $679,650 Denver
Alaska AK KODIAK ISLAND $679,650 Denver
Alaska AK KUSILVAK CENSUS AREA $679,650 Denver
Alaska AK LAKE AND PENINSULA $679,650 Denver
Alaska AK MATANUSKA-SUSITNA $679,650 Denver
Alaska AK NOME $679,650 Denver
Alaska AK NORTH SLOPE $679,650 Denver
Alaska AK NORTHWEST ARCTIC $679,650 Denver
Alaska AK PETERSBURG CENSUS AREA $679,650 Denver
Alaska AK PRINCE OF WALES-HYDER $679,650 Denver
Alaska AK SITKA $679,650 Denver
Alaska AK SKAGWAY MUNICIPALITY $679,650 Denver
Alaska AK SOUTHEAST FAIRBANKS $679,650 Denver
Alaska AK VALDEZ-CORDOVA $679,650 Denver
Alaska AK WRANGELL CITY/BOROUGH $679,650 Denver
Alaska AK YAKUTAT CITY $679,650 Denver
Alaska AK YUKON-KOYUKUK $679,650 Denver
California CA ALAMEDA $679,650 Phoenix
California CA ALPINE $463,450 Phoenix
California CA CONTRA COSTA $679,650 Phoenix
California CA EL DORADO $517,500 Phoenix
California CA LOS ANGELES $679,650 Phoenix
California CA MARIN $679,650 Phoenix
California CA MONO $529,000 Phoenix
California CA MONTEREY $615,250 Phoenix
California CA NAPA $679,650 Phoenix
California CA NEVADA $477,250 Phoenix
California CA ORANGE $679,650 Phoenix
California CA PLACER $517,500 Phoenix
California CA SACRAMENTO $517,500 Phoenix
California CA SAN BENITO $679,650 Phoenix
California CA SAN DIEGO $649,750 Phoenix
California CA SAN FRANCISCO $679,650 Phoenix
California CA SAN LUIS OBISPO $615,250 Phoenix
California CA SAN MATEO $679,650 Phoenix
California CA SANTA BARBARA $625,500 Phoenix
California CA SANTA CLARA $679,650 Phoenix
California CA SANTA CRUZ $679,650 Phoenix
California CA SOLANO $460,000 Phoenix
California CA SONOMA $648,600 Phoenix
California CA VENTURA $672,750 Phoenix
California CA YOLO $517,500 Phoenix
Colorado CO ADAMS $529,000 Denver
Colorado CO ARAPAHOE $529,000 Denver
Colorado CO BOULDER $578,450 Denver
Colorado CO BROOMFIELD $529,000 Denver
Colorado CO CLEAR CREEK $529,000 Denver
Colorado CO DENVER $529,000 Denver
Colorado CO DOUGLAS $529,000 Denver
Colorado CO EAGLE $636,150 Denver
Colorado CO ELBERT $529,000 Denver
Colorado CO GARFIELD $679,650 Denver
Colorado CO GILPIN $529,000 Denver
Colorado CO JEFFERSON $529,000 Denver
Colorado CO LAKE $625,500 Denver
Colorado CO PARK $529,000 Denver
Colorado CO PITKIN $679,650 Denver
Colorado CO ROUTT $625,500 Denver
Colorado CO SAN MIGUEL $625,500 Denver
Colorado CO SUMMIT $625,500 Denver
Connecticut CT FAIRFIELD $601,450 Cleveland
District of Columbia DC DISTRICT OF COLUMBIA $679,650 Roanoke
Florida FL MONROE $529,000 St. Petersburg
Georgia GA GREENE $515,200 Atlanta
Guam GU GUAM $679,650 Honolulu
Hawaii HI HAWAII $679,650 Honolulu
Hawaii HI HONOLULU $721,050 Honolulu
Hawaii HI KALAWAO $679,650 Honolulu
Hawaii HI KAUAI $713,000 Honolulu
Hawaii HI MAUI $679,650 Honolulu
Idaho ID BLAINE $625,500 Denver
Idaho ID CAMAS $625,500 Denver
Idaho ID LINCOLN $625,500 Denver
Idaho ID TETON $679,650 Denver
Maryland MD ANNE ARUNDEL $517,500 Roanoke
Maryland MD BALTIMORE $517,500 Roanoke
Maryland MD BALTIMORE CITY $517,500 Roanoke
Maryland MD CALVERT $679,650 Roanoke
Maryland MD CARROLL $517,500 Roanoke
Maryland MD CHARLES $679,650 Roanoke
Maryland MD FREDERICK $679,650 Roanoke
Maryland MD HARFORD $517,500 Roanoke
Maryland MD HOWARD $517,500 Roanoke
Maryland MD MONTGOMERY $679,650 Roanoke
Maryland MD PRINCE GEORGE’S $679,650 Roanoke
Maryland MD QUEEN ANNE’S $517,500 Roanoke
Massachusetts MA DUKES $679,650 Cleveland
Massachusetts MA ESSEX $603,750 Cleveland
Massachusetts MA MIDDLESEX $603,750 Cleveland
Massachusetts MA NANTUCKET $679,650 Cleveland
Massachusetts MA NORFOLK $603,750 Cleveland
Massachusetts MA PLYMOUTH $603,750 Cleveland
Massachusetts MA SUFFOLK $603,750 Cleveland
New Hampshire NH ROCKINGHAM $603,750 Cleveland
New Hampshire NH STRAFFORD $603,750 Cleveland
New Jersey NJ BERGEN $679,650 Cleveland
New Jersey NJ ESSEX $679,650 Cleveland
New Jersey NJ HUDSON $679,650 Cleveland
New Jersey NJ HUNTERDON $679,650 Cleveland
New Jersey NJ MIDDLESEX $679,650 Cleveland
New Jersey NJ MONMOUTH $679,650 Cleveland
New Jersey NJ MORRIS $679,650 Cleveland
New Jersey NJ OCEAN $679,650 Cleveland
New Jersey NJ PASSAIC $679,650 Cleveland
New Jersey NJ SOMERSET $679,650 Cleveland
New Jersey NJ SUSSEX $679,650 Cleveland
New Jersey NJ UNION $679,650 Cleveland
New York NY BRONX $679,650 Cleveland
New York NY DUTCHESS $679,650 Cleveland
New York NY KINGS $679,650 Cleveland
New York NY NASSAU $679,650 Cleveland
New York NY NEW YORK $679,650 Cleveland
New York NY ORANGE $679,650 Cleveland
New York NY PUTNAM $679,650 Cleveland
New York NY QUEENS $679,650 Cleveland
New York NY RICHMOND $679,650 Cleveland
New York NY ROCKLAND $679,650 Cleveland
New York NY SUFFOLK $679,650 Cleveland
New York NY WESTCHESTER $679,650 Cleveland
North Carolina NC CAMDEN $625,500 Atlanta
North Carolina NC CURRITUCK $458,850 Atlanta
North Carolina NC GATES $458,850 Atlanta
North Carolina NC HYDE $483,000 Atlanta
North Carolina NC PASQUOTANK $625,500 Atlanta
North Carolina NC PERQUIMANS $625,500 Atlanta
Northern Mariana Islands MP NORTHERN ISLAND $524,400 Honolulu
Northern Mariana Islands MP SAIPAN $529,000 Honolulu
Northern Mariana Islands MP TINIAN $532,450 Honolulu
Oregon OR Hood River $454,250 Denver
Pennsylvania PA PIKE $679,650 Cleveland
Tennesee TN CANNON $494,500 Roanoke
Tennesee TN CHEATHAM $494,500 Roanoke
Tennesee TN DAVIDSON $494,500 Roanoke
Tennesee TN DICKSON $494,500 Roanoke
Tennesee TN HICKMAN $494,500 Roanoke
Tennesee TN MACON $494,500 Roanoke
Tennesee TN MAURY $494,500 Roanoke
Tennesee TN ROBERTSON $494,500 Roanoke
Tennesee TN RUTHERFORD $494,500 Roanoke
Tennesee TN SMITH $494,500 Roanoke
Tennesee TN SUMNER $494,500 Roanoke
Tennesee TN TROUSDALE $494,500 Roanoke
Tennesee TN WILLIAMSON $494,500 Roanoke
Tennesee TN WILSON $494,500 Roanoke
Utah UT SALT LAKE $600,300 Denver
Utah UT SUMMIT $679,650 Denver
Utah UT TOOELE $600,300 Denver
Virgin Islands VI ST. CROIX $679,650 St. Petersburg
Virgin Islands VI ST. JOHN $679,650 St. Petersburg
Virgin Islands VI ST. THOMAS $679,650 St. Petersburg
Virginia VA ALEXANDRIA $679,650 Roanoke
Virginia VA AMELIA $535,900 Roanoke
Virginia VA ARLINGTON $679,650 Roanoke
Virginia VA CAROLINE $535,900 Roanoke
Virginia VA CHARLES CITY $535,900 Roanoke
Virginia VA CHESAPEAKE $458,850 Roanoke
Virginia VA CHESTERFIELD $535,900 Roanoke
Virginia VA CLARKE $679,650 Roanoke
Virginia VA COLONIAL HEIGHTS $535,900 Roanoke
Virginia VA CULPEPER $679,650 Roanoke
Virginia VA CUMBERLAND $535,900 Roanoke
Virginia VA DINWIDDIE $535,900 Roanoke
Virginia VA FAIRFAX $679,650 Roanoke
Virginia VA FAIRFAX INDEPENDENT CITY $679,650 Roanoke
Virginia VA FALLS CHURCH $679,650 Roanoke
Virginia VA FAUQUIER $679,650 Roanoke
Virginia VA FREDERICKSBURG $679,650 Roanoke
Virginia VA GLOUCESTER $458,850 Roanoke
Virginia VA GOOCHLAND $535,900 Roanoke
Virginia VA HAMPTON $458,850 Roanoke
Virginia VA HANOVER $535,900 Roanoke
Virginia VA HENRICO $535,900 Roanoke
Virginia VA HOPEWELL $535,900 Roanoke
Virginia VA ISLE OF WIGHT $458,850 Roanoke
Virginia VA JAMES CITY $458,850 Roanoke
Virginia VA KING AND QUEEN $535,900 Roanoke
Virginia VA KING WILLIAM $535,900 Roanoke
Virginia VA LOUDOUN $679,650 Roanoke
Virginia VA LOUISA $535,900 Roanoke
Virginia VA MANASSAS $679,650 Roanoke
Virginia VA MANASSAS PARK $679,650 Roanoke
Virginia VA MATHEWS $458,850 Roanoke
Virginia VA NEW KENT $535,900 Roanoke
Virginia VA NEWPORT NEWS $458,850 Roanoke
Virginia VA NORFOLK $458,850 Roanoke
Virginia VA PETERSBURG $535,900 Roanoke
Virginia VA POQUOSON $458,850 Roanoke
Virginia VA PORTSMOUTH $458,850 Roanoke
Virginia VA POWHATAN $535,900 Roanoke
Virginia VA PRINCE GEORGE $535,900 Roanoke
Virginia VA PRINCE WILLIAM $679,650 Roanoke
Virginia VA RAPPAHANNOCK $679,650 Roanoke
Virginia VA RICHMOND INDEPENDENT CITY $535,900 Roanoke
Virginia VA SPOTSYLVANIA $679,650 Roanoke
Virginia VA STAFFORD $679,650 Roanoke
Virginia VA SUFFOLK $458,850 Roanoke
Virginia VA SURRY $458,850 Roanoke
Virginia VA SUSSEX $535,900 Roanoke
Virginia VA VIRGINIA BEACH $458,850 Roanoke
Virginia VA WARREN $679,650 Roanoke
Virginia VA WILLIAMSBURG $458,850 Roanoke
Virginia VA YORK $458,850 Roanoke
Washington WA KING $667,000 Denver
Washington WA PIERCE $667,000 Denver
Washington WA SAN JUAN $483,000 Denver
Washington WA SNOHOMISH $667,000 Denver
West Virginia WV JEFFERSON $679,650 Roanoke
Wyoming WY TETON $679,650 Denver