Veterans with full entitlement have no VA loan limit in North Carolina. With reduced entitlement, 2026 county limits in North Carolina range from $832,750 to $832,750 (Alamance 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 North Carolina (reduced entitlement)
| County | VA / conforming limit | FHA limit |
|---|---|---|
| Alamance County | $832,750 | $541,287 |
| Alexander County | $832,750 | $541,287 |
| Alleghany County | $832,750 | $541,287 |
| Anson County | $832,750 | $541,287 |
| Ashe County | $832,750 | $541,287 |
| Avery County | $832,750 | $541,287 |
| Beaufort County | $832,750 | $541,287 |
| Bertie County | $832,750 | $541,287 |
| Bladen County | $832,750 | $541,287 |
| Brunswick County | $832,750 | $541,287 |
| Buncombe County | $832,750 | $541,287 |
| Burke County | $832,750 | $541,287 |
| Cabarrus County | $832,750 | $541,287 |
| Caldwell County | $832,750 | $541,287 |
| Camden County | $832,750 | $757,850 |
| Carteret County | $832,750 | $541,287 |
| Caswell County | $832,750 | $541,287 |
| Catawba County | $832,750 | $541,287 |
| Chatham County | $832,750 | $634,800 |
| Cherokee County | $832,750 | $541,287 |
| Chowan County | $832,750 | $541,287 |
| Clay County | $832,750 | $541,287 |
| Cleveland County | $832,750 | $541,287 |
| Columbus County | $832,750 | $541,287 |
| Craven County | $832,750 | $541,287 |
| Cumberland County | $832,750 | $541,287 |
| Currituck County | $832,750 | $757,850 |
| Dare County | $832,750 | $718,750 |
| Davidson County | $832,750 | $541,287 |
| Davie County | $832,750 | $541,287 |
| Duplin County | $832,750 | $541,287 |
| Durham County | $832,750 | $634,800 |
| Edgecombe County | $832,750 | $541,287 |
| Forsyth County | $832,750 | $541,287 |
| Franklin County | $832,750 | $541,287 |
| Gaston County | $832,750 | $541,287 |
| Gates County | $832,750 | $757,850 |
| Graham County | $832,750 | $541,287 |
| Granville County | $832,750 | $541,287 |
| Greene County | $832,750 | $541,287 |
| Guilford County | $832,750 | $541,287 |
| Halifax County | $832,750 | $541,287 |
| Harnett County | $832,750 | $541,287 |
| Haywood County | $832,750 | $541,287 |
| Henderson County | $832,750 | $541,287 |
| Hertford County | $832,750 | $541,287 |
| Hoke County | $832,750 | $541,287 |
| Hyde County | $832,750 | $541,287 |
| Iredell County | $832,750 | $541,287 |
| Jackson County | $832,750 | $541,287 |
| Johnston County | $832,750 | $541,287 |
| Jones County | $832,750 | $541,287 |
| Lee County | $832,750 | $541,287 |
| Lenoir County | $832,750 | $541,287 |
| Lincoln County | $832,750 | $541,287 |
| Macon County | $832,750 | $541,287 |
| Madison County | $832,750 | $541,287 |
| Martin County | $832,750 | $541,287 |
| McDowell County | $832,750 | $541,287 |
| Mecklenburg County | $832,750 | $541,287 |
| Mitchell County | $832,750 | $541,287 |
| Montgomery County | $832,750 | $541,287 |
| Moore County | $832,750 | $541,287 |
| Nash County | $832,750 | $541,287 |
| New Hanover County | $832,750 | $541,287 |
| Northampton County | $832,750 | $541,287 |
| Onslow County | $832,750 | $541,287 |
| Orange County | $832,750 | $634,800 |
| Pamlico County | $832,750 | $541,287 |
| Pasquotank County | $832,750 | $541,287 |
| Pender County | $832,750 | $541,287 |
| Perquimans County | $832,750 | $805,000 |
| Person County | $832,750 | $634,800 |
| Pitt County | $832,750 | $541,287 |
| Polk County | $832,750 | $541,287 |
| Randolph County | $832,750 | $541,287 |
| Richmond County | $832,750 | $541,287 |
| Robeson County | $832,750 | $541,287 |
| Rockingham County | $832,750 | $541,287 |
| Rowan County | $832,750 | $541,287 |
| Rutherford County | $832,750 | $541,287 |
| Sampson County | $832,750 | $541,287 |
| Scotland County | $832,750 | $541,287 |
| Stanly County | $832,750 | $541,287 |
| Stokes County | $832,750 | $541,287 |
| Surry County | $832,750 | $541,287 |
| Swain County | $832,750 | $541,287 |
| Transylvania County | $832,750 | $541,287 |
| Tyrrell County | $832,750 | $541,287 |
| Union County | $832,750 | $541,287 |
| Vance County | $832,750 | $541,287 |
| Wake County | $832,750 | $541,287 |
| Warren County | $832,750 | $541,287 |
| Washington County | $832,750 | $541,287 |
| Watauga County | $832,750 | $541,287 |
| Wayne County | $832,750 | $541,287 |
| Wilkes County | $832,750 | $541,287 |
| Wilson County | $832,750 | $541,287 |
| Yadkin County | $832,750 | $541,287 |
| Yancey 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 North Carolina?
Veterans with full entitlement have no VA loan limit in North Carolina. With reduced entitlement, 2026 county limits in North Carolina range from $832,750 to $832,750 (Alamance 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.