If it is your first VA loan, you automatically have full entitlement and can purchase any home, irrespective of the county loan limit. If it is not, you need to fill in the county loan limit and your used entit
VA Home Loan Affordability Calculator. Estimate your loan preapproval amount based on your income and expenses. Try it now!
If you have less than full entitlement, there will be a limit to how much you can borrow without a down payment. VA mortgage loan limits will also depend on theconforming loan limitfor your county, set by The Federal Housing Finance Agency (FHFA). As of 2025, the conforming loan limits...
Is there a maximum limit for VA loans? Yes, there is. A maximum loan amount in most parts of the country is $726,000 for a single-family home. If you live in a higher-priced county, this limit can reach $1,089,300. How does my credit score impact my interest rates?
Is there a maximum limit for VA loans? Yes, there is. A maximum loan amount in most parts of the country is $726,000 for a single-family home. If you live in a higher-priced county, this limit can reach $1,089,300. How does my credit score impact my interest rates?
The amount of entitlement is capped by the FHFA 1 unit county loan limit where the property is located A down payment may be required if you exceed the FHFA loan limit Entitlement is the amount of guaranty – or insurance – that the VA will provide the lender for the loan. This determin...
the longer you plan to keep your home, the more of an impact paying points can have. Some lenders limit the number of points you can buy, with many capping it at two. You may want to work with your loan officer to determine whether paying points is a good idea, and if so, what ...
If you have defaulted on a VA loan previously, you will also be held to the current VA loan limit in California. If you will be subject to loan limits based on these criteria, you will need to find the California VA loan limit that applies to the county the property is located in....
The California VA down payment required to purchase a home is zero. But there are two requirements: One, you must be purchasing your home at, or below, the VA County Loan Limit; and two, you must have full or Remaining / Restored Entitlement to purchase. ...
There’s technically no limit on how much you can borrow with a VA loan. If you borrow more than $144,000, the VA guarantees up to 25% of the home value to the lender. A county loan limit also caps the home value. Check with your lender if you’re considering a high-priced home...