Veterans with full entitlement have no VA loan limit in North Dakota. With reduced entitlement, 2026 county limits in North Dakota 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 North Dakota (reduced entitlement)
| County | VA / conforming limit | FHA limit |
|---|---|---|
| Adams County | $832,750 | $541,287 |
| Barnes County | $832,750 | $541,287 |
| Benson County | $832,750 | $541,287 |
| Billings County | $832,750 | $541,287 |
| Bottineau County | $832,750 | $541,287 |
| Bowman County | $832,750 | $541,287 |
| Burke County | $832,750 | $541,287 |
| Burleigh County | $832,750 | $541,287 |
| Cass County | $832,750 | $541,287 |
| Cavalier County | $832,750 | $541,287 |
| Dickey County | $832,750 | $541,287 |
| Divide County | $832,750 | $541,287 |
| Dunn County | $832,750 | $541,287 |
| Eddy County | $832,750 | $541,287 |
| Emmons County | $832,750 | $541,287 |
| Foster County | $832,750 | $541,287 |
| Golden Valley County | $832,750 | $541,287 |
| Grand Forks County | $832,750 | $541,287 |
| Grant County | $832,750 | $541,287 |
| Griggs County | $832,750 | $541,287 |
| Hettinger County | $832,750 | $541,287 |
| Kidder County | $832,750 | $541,287 |
| LaMoure County | $832,750 | $541,287 |
| Logan County | $832,750 | $541,287 |
| McHenry County | $832,750 | $541,287 |
| McIntosh County | $832,750 | $541,287 |
| McKenzie County | $832,750 | $541,287 |
| McLean County | $832,750 | $541,287 |
| Mercer County | $832,750 | $541,287 |
| Morton County | $832,750 | $541,287 |
| Mountrail County | $832,750 | $541,287 |
| Nelson County | $832,750 | $541,287 |
| Oliver County | $832,750 | $541,287 |
| Pembina County | $832,750 | $541,287 |
| Pierce County | $832,750 | $541,287 |
| Ramsey County | $832,750 | $541,287 |
| Ransom County | $832,750 | $541,287 |
| Renville County | $832,750 | $541,287 |
| Richland County | $832,750 | $541,287 |
| Rolette County | $832,750 | $541,287 |
| Sargent County | $832,750 | $541,287 |
| Sheridan County | $832,750 | $541,287 |
| Sioux County | $832,750 | $541,287 |
| Slope County | $832,750 | $541,287 |
| Stark County | $832,750 | $541,287 |
| Steele County | $832,750 | $541,287 |
| Stutsman County | $832,750 | $541,287 |
| Towner County | $832,750 | $541,287 |
| Traill County | $832,750 | $541,287 |
| Walsh County | $832,750 | $541,287 |
| Ward County | $832,750 | $541,287 |
| Wells County | $832,750 | $541,287 |
| Williams 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 Dakota?
Veterans with full entitlement have no VA loan limit in North Dakota. With reduced entitlement, 2026 county limits in North Dakota 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.