With full entitlement
No limit
Veterans with full entitlement have no VA loan limit in Missouri. With reduced entitlement, 2026 county limits in Missouri range from $832,750 to $832,750 (Adair County).
$832,750highest county limit (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 Missouri (reduced entitlement)
| County | VA / conforming limit | FHA limit |
|---|---|---|
| Adair County | $832,750 | $541,287 |
| Andrew County | $832,750 | $541,287 |
| Atchison County | $832,750 | $541,287 |
| Audrain County | $832,750 | $541,287 |
| Barry County | $832,750 | $541,287 |
| Barton County | $832,750 | $541,287 |
| Bates County | $832,750 | $541,287 |
| Benton County | $832,750 | $541,287 |
| Bollinger County | $832,750 | $541,287 |
| Boone County | $832,750 | $541,287 |
| Buchanan County | $832,750 | $541,287 |
| Butler County | $832,750 | $541,287 |
| Caldwell County | $832,750 | $541,287 |
| Callaway County | $832,750 | $541,287 |
| Camden County | $832,750 | $541,287 |
| Cape Girardeau County | $832,750 | $541,287 |
| Carroll County | $832,750 | $541,287 |
| Carter County | $832,750 | $541,287 |
| Cass County | $832,750 | $541,287 |
| Cedar County | $832,750 | $541,287 |
| Chariton County | $832,750 | $541,287 |
| Christian County | $832,750 | $541,287 |
| Clark County | $832,750 | $541,287 |
| Clay County | $832,750 | $541,287 |
| Clinton County | $832,750 | $541,287 |
| Cole County | $832,750 | $541,287 |
| Cooper County | $832,750 | $541,287 |
| Crawford County | $832,750 | $541,287 |
| Dade County | $832,750 | $541,287 |
| Dallas County | $832,750 | $541,287 |
| Daviess County | $832,750 | $541,287 |
| DeKalb County | $832,750 | $541,287 |
| Dent County | $832,750 | $541,287 |
| Douglas County | $832,750 | $541,287 |
| Dunklin County | $832,750 | $541,287 |
| Franklin County | $832,750 | $541,287 |
| Gasconade County | $832,750 | $541,287 |
| Gentry County | $832,750 | $541,287 |
| Greene County | $832,750 | $541,287 |
| Grundy County | $832,750 | $541,287 |
| Harrison County | $832,750 | $541,287 |
| Henry County | $832,750 | $541,287 |
| Hickory County | $832,750 | $541,287 |
| Holt County | $832,750 | $541,287 |
| Howard County | $832,750 | $541,287 |
| Howell County | $832,750 | $541,287 |
| Iron 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 |
| Knox County | $832,750 | $541,287 |
| Laclede County | $832,750 | $541,287 |
| Lafayette County | $832,750 | $541,287 |
| Lawrence County | $832,750 | $541,287 |
| Lewis County | $832,750 | $541,287 |
| Lincoln County | $832,750 | $541,287 |
| Linn County | $832,750 | $541,287 |
| Livingston County | $832,750 | $541,287 |
| Macon County | $832,750 | $541,287 |
| Madison County | $832,750 | $541,287 |
| Maries County | $832,750 | $541,287 |
| Marion County | $832,750 | $541,287 |
| McDonald County | $832,750 | $541,287 |
| Mercer County | $832,750 | $541,287 |
| Miller County | $832,750 | $541,287 |
| Mississippi County | $832,750 | $541,287 |
| Moniteau County | $832,750 | $541,287 |
| Monroe County | $832,750 | $541,287 |
| Montgomery County | $832,750 | $541,287 |
| Morgan County | $832,750 | $541,287 |
| New Madrid County | $832,750 | $541,287 |
| Newton County | $832,750 | $541,287 |
| Nodaway County | $832,750 | $541,287 |
| Oregon County | $832,750 | $541,287 |
| Osage County | $832,750 | $541,287 |
| Ozark County | $832,750 | $541,287 |
| Pemiscot County | $832,750 | $541,287 |
| Perry County | $832,750 | $541,287 |
| Pettis County | $832,750 | $541,287 |
| Phelps County | $832,750 | $541,287 |
| Pike County | $832,750 | $541,287 |
| Platte County | $832,750 | $541,287 |
| Polk County | $832,750 | $541,287 |
| Pulaski County | $832,750 | $541,287 |
| Putnam County | $832,750 | $541,287 |
| Ralls County | $832,750 | $541,287 |
| Randolph County | $832,750 | $541,287 |
| Ray County | $832,750 | $541,287 |
| Reynolds County | $832,750 | $541,287 |
| Ripley County | $832,750 | $541,287 |
| Saline County | $832,750 | $541,287 |
| Schuyler County | $832,750 | $541,287 |
| Scotland County | $832,750 | $541,287 |
| Scott County | $832,750 | $541,287 |
| Shannon County | $832,750 | $541,287 |
| Shelby County | $832,750 | $541,287 |
| St. Charles County | $832,750 | $541,287 |
| St. Clair County | $832,750 | $541,287 |
| St. Francois County | $832,750 | $541,287 |
| St. Louis County | $832,750 | $541,287 |
| St. Louis city | $832,750 | $541,287 |
| Ste. Genevieve County | $832,750 | $541,287 |
| Stoddard County | $832,750 | $541,287 |
| Stone County | $832,750 | $541,287 |
| Sullivan County | $832,750 | $541,287 |
| Taney County | $832,750 | $541,287 |
| Texas County | $832,750 | $541,287 |
| Vernon 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 |
| 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 Missouri?
Veterans with full entitlement have no VA loan limit in Missouri. With reduced entitlement, 2026 county limits in Missouri 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.