Veterans with full entitlement have no VA loan limit in New Jersey. With reduced entitlement, 2026 county limits in New Jersey range from $832,750 to $1,209,750 (Bergen 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 New Jersey (reduced entitlement)
| County | VA / conforming limit | FHA limit |
|---|---|---|
| Bergen County | $1,209,750 | $1,249,125 |
| Essex County | $1,209,750 | $1,249,125 |
| Hudson County | $1,209,750 | $1,249,125 |
| Hunterdon County | $1,209,750 | $1,249,125 |
| Middlesex County | $1,209,750 | $1,249,125 |
| Monmouth County | $1,209,750 | $1,249,125 |
| Morris County | $1,209,750 | $1,249,125 |
| Ocean County | $1,209,750 | $1,249,125 |
| Passaic County | $1,209,750 | $1,249,125 |
| Somerset County | $1,209,750 | $1,249,125 |
| Sussex County | $1,209,750 | $1,249,125 |
| Union County | $1,209,750 | $1,249,125 |
| Atlantic County | $832,750 | $730,250 |
| Burlington County | $832,750 | $630,200 |
| Camden County | $832,750 | $630,200 |
| Cape May County | $832,750 | $730,250 |
| Cumberland County | $832,750 | $541,287 |
| Gloucester County | $832,750 | $630,200 |
| Mercer County | $832,750 | $541,287 |
| Salem County | $832,750 | $630,200 |
| Warren 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 New Jersey?
Veterans with full entitlement have no VA loan limit in New Jersey. With reduced entitlement, 2026 county limits in New Jersey range from $832,750 to $1,209,750 (Bergen 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.