Veterans with full entitlement have no VA loan limit in Iowa. With reduced entitlement, 2026 county limits in Iowa range from $832,750 to $832,750 (Adair 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 Iowa (reduced entitlement)
| County | VA / conforming limit | FHA limit |
|---|---|---|
| Adair County | $832,750 | $541,287 |
| Adams County | $832,750 | $541,287 |
| Allamakee County | $832,750 | $541,287 |
| Appanoose County | $832,750 | $541,287 |
| Audubon County | $832,750 | $541,287 |
| Benton County | $832,750 | $541,287 |
| Black Hawk County | $832,750 | $541,287 |
| Boone County | $832,750 | $541,287 |
| Bremer County | $832,750 | $541,287 |
| Buchanan County | $832,750 | $541,287 |
| Buena Vista County | $832,750 | $541,287 |
| Butler County | $832,750 | $541,287 |
| Calhoun County | $832,750 | $541,287 |
| Carroll County | $832,750 | $541,287 |
| Cass County | $832,750 | $541,287 |
| Cedar County | $832,750 | $541,287 |
| Cerro Gordo County | $832,750 | $541,287 |
| Cherokee County | $832,750 | $541,287 |
| Chickasaw County | $832,750 | $541,287 |
| Clarke County | $832,750 | $541,287 |
| Clay County | $832,750 | $541,287 |
| Clayton County | $832,750 | $541,287 |
| Clinton County | $832,750 | $541,287 |
| Crawford County | $832,750 | $541,287 |
| Dallas County | $832,750 | $541,287 |
| Davis County | $832,750 | $541,287 |
| Decatur County | $832,750 | $541,287 |
| Delaware County | $832,750 | $541,287 |
| Des Moines County | $832,750 | $541,287 |
| Dickinson County | $832,750 | $541,287 |
| Dubuque County | $832,750 | $541,287 |
| Emmet County | $832,750 | $541,287 |
| Fayette County | $832,750 | $541,287 |
| Floyd County | $832,750 | $541,287 |
| Franklin County | $832,750 | $541,287 |
| Fremont County | $832,750 | $541,287 |
| Greene County | $832,750 | $541,287 |
| Grundy County | $832,750 | $541,287 |
| Guthrie County | $832,750 | $541,287 |
| Hamilton County | $832,750 | $541,287 |
| Hancock County | $832,750 | $541,287 |
| Hardin County | $832,750 | $541,287 |
| Harrison County | $832,750 | $541,287 |
| Henry County | $832,750 | $541,287 |
| Howard County | $832,750 | $541,287 |
| Humboldt County | $832,750 | $541,287 |
| Ida County | $832,750 | $541,287 |
| Iowa County | $832,750 | $541,287 |
| Jackson County | $832,750 | $541,287 |
| Jasper County | $832,750 | $541,287 |
| Jefferson County | $832,750 | $541,287 |
| Johnson County | $832,750 | $541,287 |
| Jones County | $832,750 | $541,287 |
| Keokuk County | $832,750 | $541,287 |
| Kossuth County | $832,750 | $541,287 |
| Lee County | $832,750 | $541,287 |
| Linn County | $832,750 | $541,287 |
| Louisa County | $832,750 | $541,287 |
| Lucas County | $832,750 | $541,287 |
| Lyon County | $832,750 | $541,287 |
| Madison County | $832,750 | $541,287 |
| Mahaska County | $832,750 | $541,287 |
| Marion County | $832,750 | $541,287 |
| Marshall County | $832,750 | $541,287 |
| Mills County | $832,750 | $541,287 |
| Mitchell County | $832,750 | $541,287 |
| Monona County | $832,750 | $541,287 |
| Monroe County | $832,750 | $541,287 |
| Montgomery County | $832,750 | $541,287 |
| Muscatine County | $832,750 | $541,287 |
| O'Brien County | $832,750 | $541,287 |
| Osceola County | $832,750 | $541,287 |
| Page County | $832,750 | $541,287 |
| Palo Alto County | $832,750 | $541,287 |
| Plymouth County | $832,750 | $541,287 |
| Pocahontas County | $832,750 | $541,287 |
| Polk County | $832,750 | $541,287 |
| Pottawattamie County | $832,750 | $541,287 |
| Poweshiek County | $832,750 | $541,287 |
| Ringgold County | $832,750 | $541,287 |
| Sac County | $832,750 | $541,287 |
| Scott County | $832,750 | $541,287 |
| Shelby County | $832,750 | $541,287 |
| Sioux County | $832,750 | $541,287 |
| Story County | $832,750 | $541,287 |
| Tama County | $832,750 | $541,287 |
| Taylor County | $832,750 | $541,287 |
| Union County | $832,750 | $541,287 |
| Van Buren County | $832,750 | $541,287 |
| Wapello County | $832,750 | $541,287 |
| Warren County | $832,750 | $541,287 |
| Washington County | $832,750 | $541,287 |
| Wayne County | $832,750 | $541,287 |
| Webster County | $832,750 | $541,287 |
| Winnebago County | $832,750 | $541,287 |
| Winneshiek County | $832,750 | $541,287 |
| Woodbury County | $832,750 | $541,287 |
| Worth County | $832,750 | $541,287 |
| Wright 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 Iowa?
Veterans with full entitlement have no VA loan limit in Iowa. With reduced entitlement, 2026 county limits in Iowa range from $832,750 to $832,750 (Adair 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.