Veterans with full entitlement have no VA loan limit in Pennsylvania. With reduced entitlement, 2026 county limits in Pennsylvania range from $832,750 to $1,209,750 (Pike 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 Pennsylvania (reduced entitlement)
| County | VA / conforming limit | FHA limit |
|---|---|---|
| Pike County | $1,209,750 | $541,287 |
| Adams County | $832,750 | $541,287 |
| Allegheny County | $832,750 | $541,287 |
| Armstrong County | $832,750 | $541,287 |
| Beaver County | $832,750 | $541,287 |
| Bedford County | $832,750 | $541,287 |
| Berks County | $832,750 | $541,287 |
| Blair County | $832,750 | $541,287 |
| Bradford County | $832,750 | $541,287 |
| Bucks County | $832,750 | $630,200 |
| Butler County | $832,750 | $541,287 |
| Cambria County | $832,750 | $541,287 |
| Cameron County | $832,750 | $541,287 |
| Carbon County | $832,750 | $541,287 |
| Centre County | $832,750 | $541,287 |
| Chester County | $832,750 | $630,200 |
| Clarion County | $832,750 | $541,287 |
| Clearfield County | $832,750 | $541,287 |
| Clinton County | $832,750 | $541,287 |
| Columbia County | $832,750 | $541,287 |
| Crawford County | $832,750 | $541,287 |
| Cumberland County | $832,750 | $541,287 |
| Dauphin County | $832,750 | $541,287 |
| Delaware County | $832,750 | $630,200 |
| Elk County | $832,750 | $541,287 |
| Erie County | $832,750 | $541,287 |
| Fayette County | $832,750 | $541,287 |
| Forest County | $832,750 | $541,287 |
| Franklin County | $832,750 | $541,287 |
| Fulton County | $832,750 | $541,287 |
| Greene County | $832,750 | $541,287 |
| Huntingdon County | $832,750 | $541,287 |
| Indiana County | $832,750 | $541,287 |
| Jefferson County | $832,750 | $541,287 |
| Juniata County | $832,750 | $541,287 |
| Lackawanna County | $832,750 | $541,287 |
| Lancaster County | $832,750 | $541,287 |
| Lawrence County | $832,750 | $541,287 |
| Lebanon County | $832,750 | $541,287 |
| Lehigh County | $832,750 | $541,287 |
| Luzerne County | $832,750 | $541,287 |
| Lycoming County | $832,750 | $541,287 |
| McKean County | $832,750 | $541,287 |
| Mercer County | $832,750 | $541,287 |
| Mifflin County | $832,750 | $541,287 |
| Monroe County | $832,750 | $541,287 |
| Montgomery County | $832,750 | $630,200 |
| Montour County | $832,750 | $541,287 |
| Northampton County | $832,750 | $541,287 |
| Northumberland County | $832,750 | $541,287 |
| Perry County | $832,750 | $541,287 |
| Philadelphia County | $832,750 | $630,200 |
| Potter County | $832,750 | $541,287 |
| Schuylkill County | $832,750 | $541,287 |
| Snyder County | $832,750 | $541,287 |
| Somerset County | $832,750 | $541,287 |
| Sullivan County | $832,750 | $541,287 |
| Susquehanna County | $832,750 | $541,287 |
| Tioga County | $832,750 | $541,287 |
| Union County | $832,750 | $541,287 |
| Venango County | $832,750 | $541,287 |
| Warren County | $832,750 | $541,287 |
| Washington County | $832,750 | $541,287 |
| Wayne County | $832,750 | $541,287 |
| Westmoreland County | $832,750 | $541,287 |
| Wyoming County | $832,750 | $541,287 |
| York 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 Pennsylvania?
Veterans with full entitlement have no VA loan limit in Pennsylvania. With reduced entitlement, 2026 county limits in Pennsylvania range from $832,750 to $1,209,750 (Pike 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.