Veterans with full entitlement have no VA loan limit in Illinois. With reduced entitlement, 2026 county limits in Illinois range from $832,750 to $832,750 (Adams 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 Illinois (reduced entitlement)
| County | VA / conforming limit | FHA limit |
|---|---|---|
| Adams County | $832,750 | $541,287 |
| Alexander County | $832,750 | $541,287 |
| Bond County | $832,750 | $541,287 |
| Boone County | $832,750 | $541,287 |
| Brown County | $832,750 | $541,287 |
| Bureau County | $832,750 | $541,287 |
| Calhoun County | $832,750 | $541,287 |
| Carroll County | $832,750 | $541,287 |
| Cass County | $832,750 | $541,287 |
| Champaign County | $832,750 | $541,287 |
| Christian County | $832,750 | $541,287 |
| Clark County | $832,750 | $541,287 |
| Clay County | $832,750 | $541,287 |
| Clinton County | $832,750 | $541,287 |
| Coles County | $832,750 | $541,287 |
| Cook County | $832,750 | $541,287 |
| Crawford County | $832,750 | $541,287 |
| Cumberland County | $832,750 | $541,287 |
| De Witt County | $832,750 | $541,287 |
| DeKalb County | $832,750 | $541,287 |
| Douglas County | $832,750 | $541,287 |
| DuPage County | $832,750 | $541,287 |
| Edgar County | $832,750 | $541,287 |
| Edwards County | $832,750 | $541,287 |
| Effingham County | $832,750 | $541,287 |
| Fayette County | $832,750 | $541,287 |
| Ford County | $832,750 | $541,287 |
| Franklin County | $832,750 | $541,287 |
| Fulton County | $832,750 | $541,287 |
| Gallatin County | $832,750 | $541,287 |
| Greene County | $832,750 | $541,287 |
| Grundy County | $832,750 | $541,287 |
| Hamilton County | $832,750 | $541,287 |
| Hancock County | $832,750 | $541,287 |
| Hardin County | $832,750 | $541,287 |
| Henderson County | $832,750 | $541,287 |
| Henry County | $832,750 | $541,287 |
| Iroquois County | $832,750 | $541,287 |
| Jackson County | $832,750 | $541,287 |
| Jasper County | $832,750 | $541,287 |
| Jefferson County | $832,750 | $541,287 |
| Jersey County | $832,750 | $541,287 |
| Jo Daviess County | $832,750 | $541,287 |
| Johnson County | $832,750 | $541,287 |
| Kane County | $832,750 | $541,287 |
| Kankakee County | $832,750 | $541,287 |
| Kendall County | $832,750 | $541,287 |
| Knox County | $832,750 | $541,287 |
| LaSalle County | $832,750 | $541,287 |
| Lake County | $832,750 | $541,287 |
| Lawrence County | $832,750 | $541,287 |
| Lee County | $832,750 | $541,287 |
| Livingston County | $832,750 | $541,287 |
| Logan County | $832,750 | $541,287 |
| Macon County | $832,750 | $541,287 |
| Macoupin County | $832,750 | $541,287 |
| Madison County | $832,750 | $541,287 |
| Marion County | $832,750 | $541,287 |
| Marshall County | $832,750 | $541,287 |
| Mason County | $832,750 | $541,287 |
| Massac County | $832,750 | $541,287 |
| McDonough County | $832,750 | $541,287 |
| McHenry County | $832,750 | $541,287 |
| McLean County | $832,750 | $541,287 |
| Menard County | $832,750 | $541,287 |
| Mercer County | $832,750 | $541,287 |
| Monroe County | $832,750 | $541,287 |
| Montgomery County | $832,750 | $541,287 |
| Morgan County | $832,750 | $541,287 |
| Moultrie County | $832,750 | $541,287 |
| Ogle County | $832,750 | $541,287 |
| Peoria County | $832,750 | $541,287 |
| Perry County | $832,750 | $541,287 |
| Piatt County | $832,750 | $541,287 |
| Pike County | $832,750 | $541,287 |
| Pope County | $832,750 | $541,287 |
| Pulaski County | $832,750 | $541,287 |
| Putnam County | $832,750 | $541,287 |
| Randolph County | $832,750 | $541,287 |
| Richland County | $832,750 | $541,287 |
| Rock Island County | $832,750 | $541,287 |
| Saline County | $832,750 | $541,287 |
| Sangamon County | $832,750 | $541,287 |
| Schuyler County | $832,750 | $541,287 |
| Scott County | $832,750 | $541,287 |
| Shelby County | $832,750 | $541,287 |
| St. Clair County | $832,750 | $541,287 |
| Stark County | $832,750 | $541,287 |
| Stephenson County | $832,750 | $541,287 |
| Tazewell County | $832,750 | $541,287 |
| Union County | $832,750 | $541,287 |
| Vermilion County | $832,750 | $541,287 |
| Wabash County | $832,750 | $541,287 |
| Warren County | $832,750 | $541,287 |
| Washington County | $832,750 | $541,287 |
| Wayne County | $832,750 | $541,287 |
| White County | $832,750 | $541,287 |
| Whiteside County | $832,750 | $541,287 |
| Will County | $832,750 | $541,287 |
| Williamson County | $832,750 | $541,287 |
| Winnebago County | $832,750 | $541,287 |
| Woodford 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 Illinois?
Veterans with full entitlement have no VA loan limit in Illinois. With reduced entitlement, 2026 county limits in Illinois range from $832,750 to $832,750 (Adams 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.