Veterans with full entitlement have no VA loan limit in Mississippi. With reduced entitlement, 2026 county limits in Mississippi 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 Mississippi (reduced entitlement)
| County | VA / conforming limit | FHA limit |
|---|---|---|
| Adams County | $832,750 | $541,287 |
| Alcorn County | $832,750 | $541,287 |
| Amite County | $832,750 | $541,287 |
| Attala County | $832,750 | $541,287 |
| Benton County | $832,750 | $541,287 |
| Bolivar County | $832,750 | $541,287 |
| Calhoun County | $832,750 | $541,287 |
| Carroll County | $832,750 | $541,287 |
| Chickasaw County | $832,750 | $541,287 |
| Choctaw County | $832,750 | $541,287 |
| Claiborne County | $832,750 | $541,287 |
| Clarke County | $832,750 | $541,287 |
| Clay County | $832,750 | $541,287 |
| Coahoma County | $832,750 | $541,287 |
| Copiah County | $832,750 | $541,287 |
| Covington County | $832,750 | $541,287 |
| DeSoto County | $832,750 | $541,287 |
| Forrest County | $832,750 | $541,287 |
| Franklin County | $832,750 | $541,287 |
| George County | $832,750 | $541,287 |
| Greene County | $832,750 | $541,287 |
| Grenada County | $832,750 | $541,287 |
| Hancock County | $832,750 | $541,287 |
| Harrison County | $832,750 | $541,287 |
| Hinds County | $832,750 | $541,287 |
| Holmes County | $832,750 | $541,287 |
| Humphreys County | $832,750 | $541,287 |
| Issaquena County | $832,750 | $541,287 |
| Itawamba County | $832,750 | $541,287 |
| Jackson County | $832,750 | $541,287 |
| Jasper County | $832,750 | $541,287 |
| Jefferson County | $832,750 | $541,287 |
| Jefferson Davis County | $832,750 | $541,287 |
| Jones County | $832,750 | $541,287 |
| Kemper County | $832,750 | $541,287 |
| Lafayette County | $832,750 | $541,287 |
| Lamar County | $832,750 | $541,287 |
| Lauderdale County | $832,750 | $541,287 |
| Lawrence County | $832,750 | $541,287 |
| Leake County | $832,750 | $541,287 |
| Lee County | $832,750 | $541,287 |
| Leflore County | $832,750 | $541,287 |
| Lincoln County | $832,750 | $541,287 |
| Lowndes County | $832,750 | $541,287 |
| Madison County | $832,750 | $541,287 |
| Marion County | $832,750 | $541,287 |
| Marshall County | $832,750 | $541,287 |
| Monroe County | $832,750 | $541,287 |
| Montgomery County | $832,750 | $541,287 |
| Neshoba County | $832,750 | $541,287 |
| Newton County | $832,750 | $541,287 |
| Noxubee County | $832,750 | $541,287 |
| Oktibbeha County | $832,750 | $541,287 |
| Panola County | $832,750 | $541,287 |
| Pearl River County | $832,750 | $541,287 |
| Perry County | $832,750 | $541,287 |
| Pike County | $832,750 | $541,287 |
| Pontotoc County | $832,750 | $541,287 |
| Prentiss County | $832,750 | $541,287 |
| Quitman County | $832,750 | $541,287 |
| Rankin County | $832,750 | $541,287 |
| Scott County | $832,750 | $541,287 |
| Sharkey County | $832,750 | $541,287 |
| Simpson County | $832,750 | $541,287 |
| Smith County | $832,750 | $541,287 |
| Stone County | $832,750 | $541,287 |
| Sunflower County | $832,750 | $541,287 |
| Tallahatchie County | $832,750 | $541,287 |
| Tate County | $832,750 | $541,287 |
| Tippah County | $832,750 | $541,287 |
| Tishomingo County | $832,750 | $541,287 |
| Tunica County | $832,750 | $541,287 |
| Union County | $832,750 | $541,287 |
| Walthall 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 |
| Wilkinson County | $832,750 | $541,287 |
| Winston County | $832,750 | $541,287 |
| Yalobusha County | $832,750 | $541,287 |
| Yazoo 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 Mississippi?
Veterans with full entitlement have no VA loan limit in Mississippi. With reduced entitlement, 2026 county limits in Mississippi 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.