Veterans with full entitlement have no VA loan limit in Oregon. With reduced entitlement, 2026 county limits in Oregon range from $832,750 to $832,750 (Baker 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 Oregon (reduced entitlement)
| County | VA / conforming limit | FHA limit |
|---|---|---|
| Baker County | $832,750 | $541,287 |
| Benton County | $832,750 | $615,250 |
| Clackamas County | $832,750 | $701,500 |
| Clatsop County | $832,750 | $563,500 |
| Columbia County | $832,750 | $701,500 |
| Coos County | $832,750 | $541,287 |
| Crook County | $832,750 | $718,750 |
| Curry County | $832,750 | $541,287 |
| Deschutes County | $832,750 | $718,750 |
| Douglas County | $832,750 | $541,287 |
| Gilliam County | $832,750 | $541,287 |
| Grant County | $832,750 | $541,287 |
| Harney County | $832,750 | $541,287 |
| Hood River County | $832,750 | $762,450 |
| Jackson County | $832,750 | $541,287 |
| Jefferson County | $832,750 | $718,750 |
| Josephine County | $832,750 | $541,287 |
| Klamath County | $832,750 | $541,287 |
| Lake County | $832,750 | $541,287 |
| Lane County | $832,750 | $541,287 |
| Lincoln County | $832,750 | $541,287 |
| Linn County | $832,750 | $541,287 |
| Malheur County | $832,750 | $541,287 |
| Marion County | $832,750 | $541,287 |
| Morrow County | $832,750 | $541,287 |
| Multnomah County | $832,750 | $701,500 |
| Polk County | $832,750 | $541,287 |
| Sherman County | $832,750 | $541,287 |
| Tillamook County | $832,750 | $541,287 |
| Umatilla County | $832,750 | $541,287 |
| Union County | $832,750 | $541,287 |
| Wallowa County | $832,750 | $541,287 |
| Wasco County | $832,750 | $541,287 |
| Washington County | $832,750 | $701,500 |
| Wheeler County | $832,750 | $541,287 |
| Yamhill County | $832,750 | $701,500 |
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 Oregon?
Veterans with full entitlement have no VA loan limit in Oregon. With reduced entitlement, 2026 county limits in Oregon range from $832,750 to $832,750 (Baker 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.