Veterans with full entitlement have no VA loan limit in District of Columbia. With reduced entitlement, 2026 county limits in District of Columbia range from $1,249,125 to $1,249,125 (District of Columbia).
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 District of Columbia (reduced entitlement)
| County | VA / conforming limit | FHA limit |
|---|---|---|
| District of Columbia | $1,249,125 | $1,249,125 |
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 District of Columbia?
Veterans with full entitlement have no VA loan limit in District of Columbia. With reduced entitlement, 2026 county limits in District of Columbia range from $1,249,125 to $1,249,125 (District of Columbia).
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.