Veterans with full entitlement have no VA loan limit in Minnesota. With reduced entitlement, 2026 county limits in Minnesota range from $832,750 to $832,750 (Aitkin 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 Minnesota (reduced entitlement)
| County | VA / conforming limit | FHA limit |
|---|---|---|
| Aitkin County | $832,750 | $541,287 |
| Anoka County | $832,750 | $552,000 |
| Becker County | $832,750 | $541,287 |
| Beltrami County | $832,750 | $541,287 |
| Benton County | $832,750 | $541,287 |
| Big Stone County | $832,750 | $541,287 |
| Blue Earth County | $832,750 | $541,287 |
| Brown County | $832,750 | $541,287 |
| Carlton County | $832,750 | $541,287 |
| Carver County | $832,750 | $552,000 |
| Cass County | $832,750 | $541,287 |
| Chippewa County | $832,750 | $541,287 |
| Chisago County | $832,750 | $552,000 |
| Clay County | $832,750 | $541,287 |
| Clearwater County | $832,750 | $541,287 |
| Cook County | $832,750 | $541,287 |
| Cottonwood County | $832,750 | $541,287 |
| Crow Wing County | $832,750 | $541,287 |
| Dakota County | $832,750 | $552,000 |
| Dodge County | $832,750 | $541,287 |
| Douglas County | $832,750 | $541,287 |
| Faribault County | $832,750 | $541,287 |
| Fillmore County | $832,750 | $541,287 |
| Freeborn County | $832,750 | $541,287 |
| Goodhue County | $832,750 | $541,287 |
| Grant County | $832,750 | $541,287 |
| Hennepin County | $832,750 | $552,000 |
| Houston County | $832,750 | $541,287 |
| Hubbard County | $832,750 | $541,287 |
| Isanti County | $832,750 | $552,000 |
| Itasca County | $832,750 | $541,287 |
| Jackson County | $832,750 | $541,287 |
| Kanabec County | $832,750 | $541,287 |
| Kandiyohi County | $832,750 | $541,287 |
| Kittson County | $832,750 | $541,287 |
| Koochiching County | $832,750 | $541,287 |
| Lac qui Parle County | $832,750 | $541,287 |
| Lake County | $832,750 | $541,287 |
| Lake of the Woods County | $832,750 | $541,287 |
| Le Sueur County | $832,750 | $552,000 |
| Lincoln County | $832,750 | $541,287 |
| Lyon County | $832,750 | $541,287 |
| Mahnomen County | $832,750 | $541,287 |
| Marshall County | $832,750 | $541,287 |
| Martin County | $832,750 | $541,287 |
| McLeod County | $832,750 | $541,287 |
| Meeker County | $832,750 | $541,287 |
| Mille Lacs County | $832,750 | $552,000 |
| Morrison County | $832,750 | $541,287 |
| Mower County | $832,750 | $541,287 |
| Murray County | $832,750 | $541,287 |
| Nicollet County | $832,750 | $541,287 |
| Nobles County | $832,750 | $541,287 |
| Norman County | $832,750 | $541,287 |
| Olmsted County | $832,750 | $541,287 |
| Otter Tail County | $832,750 | $541,287 |
| Pennington County | $832,750 | $541,287 |
| Pine County | $832,750 | $541,287 |
| Pipestone County | $832,750 | $541,287 |
| Polk County | $832,750 | $541,287 |
| Pope County | $832,750 | $541,287 |
| Ramsey County | $832,750 | $552,000 |
| Red Lake County | $832,750 | $541,287 |
| Redwood County | $832,750 | $541,287 |
| Renville County | $832,750 | $541,287 |
| Rice County | $832,750 | $541,287 |
| Rock County | $832,750 | $541,287 |
| Roseau County | $832,750 | $541,287 |
| Scott County | $832,750 | $552,000 |
| Sherburne County | $832,750 | $552,000 |
| Sibley County | $832,750 | $541,287 |
| St. Louis County | $832,750 | $541,287 |
| Stearns County | $832,750 | $541,287 |
| Steele County | $832,750 | $541,287 |
| Stevens County | $832,750 | $541,287 |
| Swift County | $832,750 | $541,287 |
| Todd County | $832,750 | $541,287 |
| Traverse County | $832,750 | $541,287 |
| Wabasha County | $832,750 | $541,287 |
| Wadena County | $832,750 | $541,287 |
| Waseca County | $832,750 | $541,287 |
| Washington County | $832,750 | $552,000 |
| Watonwan County | $832,750 | $541,287 |
| Wilkin County | $832,750 | $541,287 |
| Winona County | $832,750 | $541,287 |
| Wright County | $832,750 | $552,000 |
| Yellow Medicine 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 Minnesota?
Veterans with full entitlement have no VA loan limit in Minnesota. With reduced entitlement, 2026 county limits in Minnesota range from $832,750 to $832,750 (Aitkin 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.