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The VA Loan Guaranty Program- A Valuable Veterans Housing Benefit

A valuable veterans housing benefit is the VA loan guaranty program. While the program does not impose a maximum amount that an eligible veteran may borrow using a VA loan, it limits the maximum guaranty amount to $417,000. However, for any loans that close on or after January 1, 2016 in any of the counties listed below, the maximum may be higher.


When it comes to veteran finances, mortgages are usually the biggest expense. VA loan limits are based on county median home values reported by the Federal Housing Administration. These values are the basis for which VA calculates limits for the program. In 2015, some limits increased, some stayed the same and a few decreased.

The maximum guaranty amount for loans over $144,000 is 25 percent of the 2016 VA county loan limit shown below. As a valuable veterans housing benefit, Veterans with full entitlement available may borrow up to this limit and the VA will guarantee 25 percent of the loan amount.

Lenders may make loans to veterans greater than the maximum county loan limit. However, lenders may require Veterans to make a down payment for the amount borrowed in excess of the applicable county loan limit.

If a Veteran has previously used entitlement that has not been restored, the maximum guaranty amount available to that Veteran must be reduced accordingly. Lenders should check their own investor requirements regarding guaranty amounts and down payments. Questions about VA loans in a particular county may be directed to one of the six VA Regional Loan Center of jurisdiction, also listed below.

If your county is not listed below, the limit is $417,000.

AK ALEUTIANS EAST $636,150
AK ALEUTIANS WEST $636,150
AK ANCHORAGE $636,150
AK BETHEL $636,150
AK BRISTOL BAY $636,150
AK DENALI $636,150
AK DILLINGHAM $636,150
AK FAIRBANKS NORTH $636,150
AK HAINES $636,150
AK HOONAH-ANGOON $636,150
AK JUNEAU $636,150
AK KENAI PENINSULA $636,150
AK KETCHIKAN GATEWAY $636,150
AK KODIAK ISLAND $636,150
AK KUSILVAK CENSUS AREA $636,150
AK LAKE AND PENINSULA $636,150
AK MATANUSKA-SUSITNA $636,150
AK NOME $636,150
AK NORTH SLOPE $636,150
AK NORTHWEST ARCTIC $636,150
AK PETERSBURG CENSUS AREA $636,150
AK PRINCE OF WALES-HYDER $636,150
AK SITKA $636,150
AK SKAGWAY MUNICIPALITY $636,150
AK SOUTHEAST FAIRBANKS $636,150
AK VALDEZ-CORDOVA $636,150
AK WRANGELL $636,150
CITY/BOROUGH
AK YAKUTAT CITY $636,150
AK YUKON-KOYUKUK $636,150
CA ALAMEDA $636,150
CA ALPINE $463,450
CA CONTRA COSTA $636,150
CA EL DORADO $488,750
CA LOS ANGELES $636,150
CA MARIN $636,150
CA MONO $529,000
CA MONTEREY $575,000
CA NAPA $636,150
CA NEVADA $477,250
CA ORANGE $636,150
CA PLACER $488,750
CA SACRAMENTO $488,750
CA SAN BENITO $636,150
CA SAN DIEGO $612,950
CA SAN FRANCISCO $636,150
CA SAN LUIS OBISPO $586,600
CA SAN MATEO $636,150
CA SANTA BARBARA $636,150
CA SANTA CLARA $636,150
CA SANTA CRUZ $636,150
CA SOLANO $431,250
CA SONOMA $595,700
CA VENTURA $636,150
CA YOLO $488,750
CO ADAMS $493,350
CO ARAPAHOE $493,350
CO BOULDER $529,000
CO BROOMFIELD $493,350
CO CLEAR CREEK $493,350
CO DENVER $493,350
CO DOUGLAS $493,350
CO EAGLE $636,150
CO ELBERT $493,350
CO GARFIELD $636,150
CO GILPIN $493,350
CO HINSDALE $427,800
CO JEFFERSON $493,350
CO LAKE $625,500
CO OURAY $425,500
CO PARK $493,350
CO PITKIN $636,150
CO ROUTT $625,500
CO SAN MIGUEL $625,500
CO SUMMIT $625,500
CT FAIRFIELD $601,450
DC DISTRICT OF COLUMBIA $636,150
FL COLLIER $450,800
FL MONROE $529,000
GA GREENE $515,200
GU GUAM $636,150
HI HAWAII $636,150
HI HONOLULU $721,050
HI KALAWAO $657,800
HI KAUAI $713,000
HI MAUI $657,800
ID BLAINE $625,500
ID CAMAS $625,500
ID LINCOLN $625,500
ID TETON $636,150
MA BRISTOL $426,650
MA DUKES $636,150
MA ESSEX $598,000
MA MIDDLESEX $598,000
MA NANTUCKET $636,150
MA NORFOLK $598,000
MA PLYMOUTH $598,000
MA SUFFOLK $598,000
MD ANNE ARUNDEL $517,500
MD BALTIMORE $517,500
MD BALTIMORE CITY $517,500
MD CALVERT $636,150
MD CARROLL $517,500
MD CHARLES $636,150
MD FREDERICK $636,150
MD HARFORD $517,500
MD HOWARD $517,500
MD MONTGOMERY $636,150
MD PRINCE GEORGE’S $636,150
MD QUEEN ANNE’S $517,500
MP NORTHERN ISLAND $524,400
MP SAIPAN $529,000
MP TINIAN $532,450
NC CAMDEN $625,500
NC CURRITUCK $458,850
NC GATES $458,850
NC HYDE $483,000
NC PASQUOTANK $625,500
NC PERQUIMANS $625,500
NE LINCOLN $433,660
NE LOGAN $433,660
NE MCPHERSON $433,660
NH ROCKINGHAM $598,000
NH STRAFFORD $598,000
NJ BERGEN $636,150
NJ ESSEX $636,150
NJ HUDSON $636,150
NJ HUNTERDON $636,150
NJ MIDDLESEX $636,150
NJ MONMOUTH $636,150
NJ MORRIS $636,150
NJ OCEAN $636,150
NJ PASSAIC $636,150
NJ SOMERSET $636,150
NJ SUSSEX $636,150
NJ UNION $636,150
NY BRONX $636,150
NY DUTCHESS $636,150
NY KINGS $636,150
NY NASSAU $636,150
NY NEW YORK $636,150
NY ORANGE $636,150
NY PUTNAM $636,150
NY QUEENS $636,150
NY RICHMOND $636,150
NY ROCKLAND $636,150
NY SUFFOLK $636,150
NY WESTCHESTER $636,150
PA PIKE $636,150
RI BRISTOL $426,650
RI KENT $426,650
RI NEWPORT $426,650
RI PROVIDENCE $426,650
RI WASHINGTON $426,650
TN CANNON $466,900
TN CHEATHAM $466,900
TN DAVIDSON $466,900
TN DICKSON $466,900
TN HICKMAN $466,900
TN MACON $466,900
TN MAURY $466,900
TN ROBERTSON $466,900
TN RUTHERFORD $466,900
TN SMITH $466,900
TN SUMNER $466,900
TN TROUSDALE $466,900
TN WILLIAMSON $466,900
TN WILSON $466,900
UT SALT LAKE $600,300
UT SUMMIT $636,150
UT TOOELE $600,300
VA ALBEMARLE $437,000
VA ALEXANDRIA $636,150
VA AMELIA $535,900
VA ARLINGTON $636,150
VA BUCKINGHAM $437,500
VA CAROLINE $535,900
VA CHARLES CITY $535,900
VA CHARLOTTESVILLE $437,000
VA CHESAPEAKE $458,850
VA CHESTERFIELD $535,900
VA CLARKE $636,150
VA COLONIAL HEIGHTS $535,900
VA CULPEPER $636,150
VA CUMBERLAND $535,900
VA DINWIDDIE $535,900
VA FAIRFAX $636,150
VA FAIRFAX INDEPENDENT CITY $636,150
VA FALLS CHURCH $636,150
VA FAUQUIER $636,150
VA FLUVANNA $458,850
VA FREDERICKSBURG $636,150
VA GLOUCESTER $458,850
VA GOOCHLAND $535,900
VA GREENE $437,000
VA HAMPTON $458,850
VA HANOVER $535,900
VA HENRICO $535,900
VA HOPEWELL $535,900
VA ISLE OF WIGHT $458,850
VA JAMES CITY $458,850
VA KING AND QUEEN $535,900
VA KING WILLIAM $535,900
VA LANCASTER $442,750
VA LOUDOUN $636,150
VA LOUISA $535,900
VA MANASSAS $636,150
VA MANASSAS PARK $636,150
VA MATHEWS $458,850
VA NELSON $437,000
VA NEW KENT $535,900
VA NEWPORT NEWS $458,850
VA NORFOLK $458,850
VA PETERSBURG $535,900
VA POQUOSON $458,850
VA PORTSMOUTH $458,850
VA POWHATAN $535,900
VA PRINCE GEORGE $535,900
VA PRINCE WILLIAM $636,150
VA RAPPAHANNOCK $636,150
VA RICHMOND INDEPENDENT CITY $535,900
VA SPOTSYLVANIA $636,150
VA STAFFORD $636,150
VA SUFFOLK $458,850
VA SURRY $458,850
VA SUSSEX $535,900
VA VIRGINIA BEACH $458,850
VA WARREN $636,150
VA WILLIAMSBURG $458,850
VA YORK $458,850
VI ST. CROIX $636,150
VI ST. JOHN $636,150
VI ST. THOMAS $636,150
WA KING $592,250
WA PIERCE $592,250
WA SAN JUAN $483,000
WA SNOHOMISH $592,250
WV JEFFERSON $636,150
WY TETON $636,150

 

Regional Loan Center Info:

Cleveland, OH
Department of Veterans Affairs
VA Regional Loan Center
1240 East Ninth Street
Cleveland, OH 44199
http://benefits.va.gov/cleveland/regional-loan-center.asp

Denver, CO
Department of Veterans Affairs
VA Regional Loan Center
155 Van Gordon Street
Lakewood, CO 80228
(Mail: Box 25126, Denver, CO 80225)
http://www.benefits.va.gov/denver/regional-loan-center.asp

Honolulu, HI
Department of Veterans Affairs
VA Regional Office
Loan Guaranty Division (26)
459 Patterson Rd.
Honolulu, HI 96819
*Although not an RLC, this office is a fully functioning Loan Guaranty operation for Hawaii.
http://www.benefits.va.gov/honolulu/regional-loan-center.asp

Phoenix, AZ
Department of Veterans Affairs
VA Regional Loan Center
3333 N. Central Avenue
Phoenix, AZ 85012-2402
http://www.benefits.va.gov/phoenix/regional-loan-center.asp

Roanoke, VA
Department of Veterans Affairs
VA Regional Loan Center
210 First Street
Roanoke, VA 24011

Mailing Address:
116 N. Jefferson Street
Roanoke, VA 24016
http://www.benefits.va.gov/roanoke/regional-loan-center.asp

St. Petersburg, FL
Department of Veterans Affairs
VA Regional Loan Center
9500 Bay Pines Blvd.
St. Petersburg, FL 33708
(Mail: P.O. Box 1437, St. Petersburg, FL 33731)
http://www.benefits.va.gov/stpetersburg/regional-loan-center.asp