Veterans with full entitlement have no VA loan limit in Ohio. With reduced entitlement, 2026 county limits in Ohio 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 Ohio (reduced entitlement)
| County | VA / conforming limit | FHA limit |
|---|---|---|
| Adams County | $832,750 | $541,287 |
| Allen County | $832,750 | $541,287 |
| Ashland County | $832,750 | $541,287 |
| Ashtabula County | $832,750 | $541,287 |
| Athens County | $832,750 | $541,287 |
| Auglaize County | $832,750 | $541,287 |
| Belmont County | $832,750 | $541,287 |
| Brown County | $832,750 | $541,287 |
| Butler County | $832,750 | $541,287 |
| Carroll County | $832,750 | $541,287 |
| Champaign County | $832,750 | $541,287 |
| Clark County | $832,750 | $541,287 |
| Clermont County | $832,750 | $541,287 |
| Clinton County | $832,750 | $541,287 |
| Columbiana County | $832,750 | $541,287 |
| Coshocton County | $832,750 | $541,287 |
| Crawford County | $832,750 | $541,287 |
| Cuyahoga County | $832,750 | $541,287 |
| Darke County | $832,750 | $541,287 |
| Defiance County | $832,750 | $541,287 |
| Delaware County | $832,750 | $591,100 |
| Erie County | $832,750 | $541,287 |
| Fairfield County | $832,750 | $591,100 |
| Fayette County | $832,750 | $541,287 |
| Franklin County | $832,750 | $591,100 |
| Fulton County | $832,750 | $541,287 |
| Gallia County | $832,750 | $541,287 |
| Geauga County | $832,750 | $541,287 |
| Greene County | $832,750 | $541,287 |
| Guernsey County | $832,750 | $541,287 |
| Hamilton County | $832,750 | $541,287 |
| Hancock County | $832,750 | $541,287 |
| Hardin County | $832,750 | $541,287 |
| Harrison County | $832,750 | $541,287 |
| Henry County | $832,750 | $541,287 |
| Highland County | $832,750 | $541,287 |
| Hocking County | $832,750 | $591,100 |
| Holmes County | $832,750 | $541,287 |
| Huron County | $832,750 | $541,287 |
| Jackson County | $832,750 | $541,287 |
| Jefferson County | $832,750 | $541,287 |
| Knox County | $832,750 | $541,287 |
| Lake County | $832,750 | $541,287 |
| Lawrence County | $832,750 | $541,287 |
| Licking County | $832,750 | $591,100 |
| Logan County | $832,750 | $541,287 |
| Lorain County | $832,750 | $541,287 |
| Lucas County | $832,750 | $541,287 |
| Madison County | $832,750 | $591,100 |
| Mahoning County | $832,750 | $541,287 |
| Marion County | $832,750 | $541,287 |
| Medina County | $832,750 | $541,287 |
| Meigs County | $832,750 | $541,287 |
| Mercer County | $832,750 | $541,287 |
| Miami County | $832,750 | $541,287 |
| Monroe County | $832,750 | $541,287 |
| Montgomery County | $832,750 | $541,287 |
| Morgan County | $832,750 | $541,287 |
| Morrow County | $832,750 | $591,100 |
| Muskingum County | $832,750 | $541,287 |
| Noble County | $832,750 | $541,287 |
| Ottawa County | $832,750 | $541,287 |
| Paulding County | $832,750 | $541,287 |
| Perry County | $832,750 | $591,100 |
| Pickaway County | $832,750 | $591,100 |
| Pike County | $832,750 | $541,287 |
| Portage County | $832,750 | $541,287 |
| Preble County | $832,750 | $541,287 |
| Putnam County | $832,750 | $541,287 |
| Richland County | $832,750 | $541,287 |
| Ross County | $832,750 | $541,287 |
| Sandusky County | $832,750 | $541,287 |
| Scioto County | $832,750 | $541,287 |
| Seneca County | $832,750 | $541,287 |
| Shelby County | $832,750 | $541,287 |
| Stark County | $832,750 | $541,287 |
| Summit County | $832,750 | $541,287 |
| Trumbull County | $832,750 | $541,287 |
| Tuscarawas County | $832,750 | $541,287 |
| Union County | $832,750 | $591,100 |
| Van Wert County | $832,750 | $541,287 |
| Vinton County | $832,750 | $541,287 |
| Warren County | $832,750 | $541,287 |
| Washington County | $832,750 | $541,287 |
| Wayne County | $832,750 | $541,287 |
| Williams County | $832,750 | $541,287 |
| Wood County | $832,750 | $541,287 |
| Wyandot 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 Ohio?
Veterans with full entitlement have no VA loan limit in Ohio. With reduced entitlement, 2026 county limits in Ohio 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.