Veterans with full entitlement have no VA loan limit in New York. With reduced entitlement, 2026 county limits in New York range from $832,750 to $1,209,750 (Bronx 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 York (reduced entitlement)
| County | VA / conforming limit | FHA limit |
|---|---|---|
| Bronx County | $1,209,750 | $1,249,125 |
| Kings County | $1,209,750 | $1,249,125 |
| Nassau County | $1,209,750 | $1,249,125 |
| New York County | $1,209,750 | $1,249,125 |
| Putnam County | $1,209,750 | $1,249,125 |
| Queens County | $1,209,750 | $1,249,125 |
| Richmond County | $1,209,750 | $1,249,125 |
| Rockland County | $1,209,750 | $1,249,125 |
| Suffolk County | $1,209,750 | $1,249,125 |
| Westchester County | $1,209,750 | $1,249,125 |
| Albany County | $832,750 | $541,287 |
| Allegany County | $832,750 | $541,287 |
| Broome County | $832,750 | $541,287 |
| Cattaraugus County | $832,750 | $541,287 |
| Cayuga County | $832,750 | $541,287 |
| Chautauqua County | $832,750 | $541,287 |
| Chemung County | $832,750 | $541,287 |
| Chenango County | $832,750 | $541,287 |
| Clinton County | $832,750 | $541,287 |
| Columbia County | $832,750 | $541,287 |
| Cortland County | $832,750 | $541,287 |
| Delaware County | $832,750 | $541,287 |
| Dutchess County | $832,750 | $541,287 |
| Erie County | $832,750 | $541,287 |
| Essex County | $832,750 | $541,287 |
| Franklin County | $832,750 | $541,287 |
| Fulton County | $832,750 | $541,287 |
| Genesee County | $832,750 | $541,287 |
| Greene County | $832,750 | $541,287 |
| Hamilton County | $832,750 | $541,287 |
| Herkimer County | $832,750 | $541,287 |
| Jefferson County | $832,750 | $541,287 |
| Lewis County | $832,750 | $541,287 |
| Livingston County | $832,750 | $541,287 |
| Madison County | $832,750 | $541,287 |
| Monroe County | $832,750 | $541,287 |
| Montgomery County | $832,750 | $541,287 |
| Niagara County | $832,750 | $541,287 |
| Oneida County | $832,750 | $541,287 |
| Onondaga County | $832,750 | $541,287 |
| Ontario County | $832,750 | $541,287 |
| Orange County | $832,750 | $541,287 |
| Orleans County | $832,750 | $541,287 |
| Oswego County | $832,750 | $541,287 |
| Otsego County | $832,750 | $541,287 |
| Rensselaer County | $832,750 | $541,287 |
| Saratoga County | $832,750 | $541,287 |
| Schenectady County | $832,750 | $541,287 |
| Schoharie County | $832,750 | $541,287 |
| Schuyler County | $832,750 | $541,287 |
| Seneca County | $832,750 | $541,287 |
| St. Lawrence County | $832,750 | $541,287 |
| Steuben County | $832,750 | $541,287 |
| Sullivan County | $832,750 | $541,287 |
| Tioga County | $832,750 | $541,287 |
| Tompkins County | $832,750 | $541,287 |
| Ulster County | $832,750 | $541,287 |
| Warren County | $832,750 | $541,287 |
| Washington County | $832,750 | $541,287 |
| Wayne County | $832,750 | $541,287 |
| Wyoming County | $832,750 | $541,287 |
| Yates 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 York?
Veterans with full entitlement have no VA loan limit in New York. With reduced entitlement, 2026 county limits in New York range from $832,750 to $1,209,750 (Bronx 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.