Veterans with full entitlement have no VA loan limit in Michigan. With reduced entitlement, 2026 county limits in Michigan range from $832,750 to $832,750 (Alcona 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 Michigan (reduced entitlement)
| County | VA / conforming limit | FHA limit |
|---|---|---|
| Alcona County | $832,750 | $541,287 |
| Alger County | $832,750 | $541,287 |
| Allegan County | $832,750 | $541,287 |
| Alpena County | $832,750 | $541,287 |
| Antrim County | $832,750 | $541,287 |
| Arenac County | $832,750 | $541,287 |
| Baraga County | $832,750 | $541,287 |
| Barry County | $832,750 | $541,287 |
| Bay County | $832,750 | $541,287 |
| Benzie County | $832,750 | $541,287 |
| Berrien County | $832,750 | $541,287 |
| Branch County | $832,750 | $541,287 |
| Calhoun County | $832,750 | $541,287 |
| Cass County | $832,750 | $541,287 |
| Charlevoix County | $832,750 | $541,287 |
| Cheboygan County | $832,750 | $541,287 |
| Chippewa County | $832,750 | $541,287 |
| Clare County | $832,750 | $541,287 |
| Clinton County | $832,750 | $541,287 |
| Crawford County | $832,750 | $541,287 |
| Delta County | $832,750 | $541,287 |
| Dickinson County | $832,750 | $541,287 |
| Eaton County | $832,750 | $541,287 |
| Emmet County | $832,750 | $541,287 |
| Genesee County | $832,750 | $541,287 |
| Gladwin County | $832,750 | $541,287 |
| Gogebic County | $832,750 | $541,287 |
| Grand Traverse County | $832,750 | $541,287 |
| Gratiot County | $832,750 | $541,287 |
| Hillsdale County | $832,750 | $541,287 |
| Houghton County | $832,750 | $541,287 |
| Huron County | $832,750 | $541,287 |
| Ingham County | $832,750 | $541,287 |
| Ionia County | $832,750 | $541,287 |
| Iosco County | $832,750 | $541,287 |
| Iron County | $832,750 | $541,287 |
| Isabella County | $832,750 | $541,287 |
| Jackson County | $832,750 | $541,287 |
| Kalamazoo County | $832,750 | $541,287 |
| Kalkaska County | $832,750 | $541,287 |
| Kent County | $832,750 | $541,287 |
| Keweenaw County | $832,750 | $541,287 |
| Lake County | $832,750 | $541,287 |
| Lapeer County | $832,750 | $541,287 |
| Leelanau County | $832,750 | $541,287 |
| Lenawee County | $832,750 | $541,287 |
| Livingston County | $832,750 | $541,287 |
| Luce County | $832,750 | $541,287 |
| Mackinac County | $832,750 | $541,287 |
| Macomb County | $832,750 | $541,287 |
| Manistee County | $832,750 | $541,287 |
| Marquette County | $832,750 | $541,287 |
| Mason County | $832,750 | $541,287 |
| Mecosta County | $832,750 | $541,287 |
| Menominee County | $832,750 | $541,287 |
| Midland County | $832,750 | $541,287 |
| Missaukee County | $832,750 | $541,287 |
| Monroe County | $832,750 | $541,287 |
| Montcalm County | $832,750 | $541,287 |
| Montmorency County | $832,750 | $541,287 |
| Muskegon County | $832,750 | $541,287 |
| Newaygo County | $832,750 | $541,287 |
| Oakland County | $832,750 | $541,287 |
| Oceana County | $832,750 | $541,287 |
| Ogemaw County | $832,750 | $541,287 |
| Ontonagon County | $832,750 | $541,287 |
| Osceola County | $832,750 | $541,287 |
| Oscoda County | $832,750 | $541,287 |
| Otsego County | $832,750 | $541,287 |
| Ottawa County | $832,750 | $541,287 |
| Presque Isle County | $832,750 | $541,287 |
| Roscommon County | $832,750 | $541,287 |
| Saginaw County | $832,750 | $541,287 |
| Sanilac County | $832,750 | $541,287 |
| Schoolcraft County | $832,750 | $541,287 |
| Shiawassee County | $832,750 | $541,287 |
| St. Clair County | $832,750 | $541,287 |
| St. Joseph County | $832,750 | $541,287 |
| Tuscola County | $832,750 | $541,287 |
| Van Buren County | $832,750 | $541,287 |
| Washtenaw County | $832,750 | $541,287 |
| Wayne County | $832,750 | $541,287 |
| Wexford 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 Michigan?
Veterans with full entitlement have no VA loan limit in Michigan. With reduced entitlement, 2026 county limits in Michigan range from $832,750 to $832,750 (Alcona 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.