According to, “The maximum guarantee for VA loans over $144,000 is up to 25% of the county loan limit. The lowest county limit is $647,200. This means that if your home costs more than $144,000, the VA will only guarantee 25% of the loan, up to the $647,200 limit or the limit for high-cost counties.” What exactly does this mean for you? Well, we’ve got the answers! Below is everything you need to know about VA loan limits.

What Makes VA Loan Limits Important?

VA loans are important because they may be the determining factor on your big, life-changing purchases. For example, a VA loan limit doesn’t necessarily determine the exact amount you are eligible for in purchasing a home. Rather, the VA may only guarantee a portion of that loan, meaning you will want to know ahead of time how much will be covered via the VA, and how much will not be.

What Are Military Members Eligible For?

“Most military members and veterans are eligible for a basic VA loan entitlement, which amounts to $36,000. Lenders will normally allow veterans to borrow up to four times the basic entitlement ($144,000) without a down payment, provided they have the income and credit to qualify for the loan and provided the property appraises for at least the purchase price. The VA will guarantee the full loan up to $144,000” ( 

The exact amount on a traditional home loan that you are eligible for will depend on a certain criteria such as your credit score, your annual income, and other relative factors. The VA side of the loan can help get your financial standing in the place that you need it to be when you are considering making a large, important purchase that concerns your livelihood.


To learn more about VA loan limits, the kinds of loans you are eligible for, and professional financial guidance, contact the consultants at the Armed Forces Benefits Network to have all of your questions answered. We have the experience, we have the knowledge, and we have the desire to help you so that you may have a bright and successful future.