Veterans with full entitlement have no VA loan limit in Arizona. With reduced entitlement, 2026 county limits in Arizona range from $832,750 to $832,750 (Apache County).
How VA limits work
Since 2020, the VA does not cap loans for borrowers with full entitlement. If you have an active VA loan, or a past one whose entitlement wasn’t restored (reduced entitlement), the VA guarantees up to 25% of the county limit minus the entitlement already used. Above that, you may need a down payment.
2026 county limits in Arizona (reduced entitlement)
| County | VA / conforming limit | FHA limit |
|---|---|---|
| Apache County | $832,750 | $541,287 |
| Cochise County | $832,750 | $541,287 |
| Coconino County | $832,750 | $609,500 |
| Gila County | $832,750 | $541,287 |
| Graham County | $832,750 | $541,287 |
| Greenlee County | $832,750 | $541,287 |
| La Paz County | $832,750 | $541,287 |
| Maricopa County | $832,750 | $557,750 |
| Mohave County | $832,750 | $541,287 |
| Navajo County | $832,750 | $541,287 |
| Pima County | $832,750 | $541,287 |
| Pinal County | $832,750 | $557,750 |
| Santa Cruz County | $832,750 | $541,287 |
| Yavapai County | $832,750 | $541,287 |
| Yuma County | $832,750 | $541,287 |
Source: FHFA 2026 conforming loan limits, which the VA uses as county limits; HUD CY2026 FHA limits. Not lending advice.
Frequently asked questions
Is there a VA loan limit in Arizona?
Veterans with full entitlement have no VA loan limit in Arizona. With reduced entitlement, 2026 county limits in Arizona range from $832,750 to $832,750 (Apache County).
What is the maximum VA loan for 2026?
No maximum with full entitlement. With reduced entitlement, the baseline county limit is $832,750, higher in high-cost counties.