Veterans with full entitlement have no VA loan limit in Indiana. With reduced entitlement, 2026 county limits in Indiana 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 Indiana (reduced entitlement)
| County | VA / conforming limit | FHA limit |
|---|---|---|
| Adams County | $832,750 | $541,287 |
| Allen County | $832,750 | $541,287 |
| Bartholomew County | $832,750 | $541,287 |
| Benton County | $832,750 | $541,287 |
| Blackford County | $832,750 | $541,287 |
| Boone County | $832,750 | $541,287 |
| Brown County | $832,750 | $541,287 |
| Carroll County | $832,750 | $541,287 |
| Cass County | $832,750 | $541,287 |
| Clark County | $832,750 | $541,287 |
| Clay County | $832,750 | $541,287 |
| Clinton County | $832,750 | $541,287 |
| Crawford County | $832,750 | $541,287 |
| Daviess County | $832,750 | $541,287 |
| DeKalb County | $832,750 | $541,287 |
| Dearborn County | $832,750 | $541,287 |
| Decatur County | $832,750 | $541,287 |
| Delaware County | $832,750 | $541,287 |
| Dubois County | $832,750 | $541,287 |
| Elkhart County | $832,750 | $541,287 |
| Fayette County | $832,750 | $541,287 |
| Floyd County | $832,750 | $541,287 |
| Fountain County | $832,750 | $541,287 |
| Franklin County | $832,750 | $541,287 |
| Fulton County | $832,750 | $541,287 |
| Gibson County | $832,750 | $541,287 |
| Grant County | $832,750 | $541,287 |
| Greene County | $832,750 | $541,287 |
| Hamilton County | $832,750 | $541,287 |
| Hancock County | $832,750 | $541,287 |
| Harrison County | $832,750 | $541,287 |
| Hendricks County | $832,750 | $541,287 |
| Henry County | $832,750 | $541,287 |
| Howard County | $832,750 | $541,287 |
| Huntington County | $832,750 | $541,287 |
| Jackson County | $832,750 | $541,287 |
| Jasper County | $832,750 | $541,287 |
| Jay County | $832,750 | $541,287 |
| Jefferson County | $832,750 | $541,287 |
| Jennings County | $832,750 | $541,287 |
| Johnson County | $832,750 | $541,287 |
| Knox County | $832,750 | $541,287 |
| Kosciusko County | $832,750 | $541,287 |
| LaGrange County | $832,750 | $541,287 |
| LaPorte County | $832,750 | $541,287 |
| Lake County | $832,750 | $541,287 |
| Lawrence County | $832,750 | $541,287 |
| Madison County | $832,750 | $541,287 |
| Marion County | $832,750 | $541,287 |
| Marshall County | $832,750 | $541,287 |
| Martin County | $832,750 | $541,287 |
| Miami County | $832,750 | $541,287 |
| Monroe County | $832,750 | $541,287 |
| Montgomery County | $832,750 | $541,287 |
| Morgan County | $832,750 | $541,287 |
| Newton County | $832,750 | $541,287 |
| Noble County | $832,750 | $541,287 |
| Ohio County | $832,750 | $541,287 |
| Orange County | $832,750 | $541,287 |
| Owen County | $832,750 | $541,287 |
| Parke County | $832,750 | $541,287 |
| Perry County | $832,750 | $541,287 |
| Pike County | $832,750 | $541,287 |
| Porter County | $832,750 | $541,287 |
| Posey County | $832,750 | $541,287 |
| Pulaski County | $832,750 | $541,287 |
| Putnam County | $832,750 | $541,287 |
| Randolph County | $832,750 | $541,287 |
| Ripley County | $832,750 | $541,287 |
| Rush County | $832,750 | $541,287 |
| Scott County | $832,750 | $541,287 |
| Shelby County | $832,750 | $541,287 |
| Spencer County | $832,750 | $541,287 |
| St. Joseph County | $832,750 | $541,287 |
| Starke County | $832,750 | $541,287 |
| Steuben County | $832,750 | $541,287 |
| Sullivan County | $832,750 | $541,287 |
| Switzerland County | $832,750 | $541,287 |
| Tippecanoe County | $832,750 | $541,287 |
| Tipton County | $832,750 | $541,287 |
| Union County | $832,750 | $541,287 |
| Vanderburgh County | $832,750 | $541,287 |
| Vermillion County | $832,750 | $541,287 |
| Vigo County | $832,750 | $541,287 |
| Wabash County | $832,750 | $541,287 |
| Warren County | $832,750 | $541,287 |
| Warrick County | $832,750 | $541,287 |
| Washington County | $832,750 | $541,287 |
| Wayne County | $832,750 | $541,287 |
| Wells County | $832,750 | $541,287 |
| White County | $832,750 | $541,287 |
| Whitley 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 Indiana?
Veterans with full entitlement have no VA loan limit in Indiana. With reduced entitlement, 2026 county limits in Indiana 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.