Veterans with full entitlement have no VA loan limit in South Dakota. With reduced entitlement, 2026 county limits in South Dakota range from $832,750 to $832,750 (Aurora 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 South Dakota (reduced entitlement)
| County | VA / conforming limit | FHA limit |
|---|---|---|
| Aurora County | $832,750 | $541,287 |
| Beadle County | $832,750 | $541,287 |
| Bennett County | $832,750 | $541,287 |
| Bon Homme County | $832,750 | $541,287 |
| Brookings County | $832,750 | $541,287 |
| Brown County | $832,750 | $541,287 |
| Brule County | $832,750 | $541,287 |
| Buffalo County | $832,750 | $541,287 |
| Butte County | $832,750 | $541,287 |
| Campbell County | $832,750 | $541,287 |
| Charles Mix County | $832,750 | $541,287 |
| Clark County | $832,750 | $541,287 |
| Clay County | $832,750 | $541,287 |
| Codington County | $832,750 | $541,287 |
| Corson County | $832,750 | $541,287 |
| Custer County | $832,750 | $541,287 |
| Davison County | $832,750 | $541,287 |
| Day County | $832,750 | $541,287 |
| Deuel County | $832,750 | $541,287 |
| Dewey County | $832,750 | $541,287 |
| Douglas County | $832,750 | $541,287 |
| Edmunds County | $832,750 | $541,287 |
| Fall River County | $832,750 | $541,287 |
| Faulk County | $832,750 | $541,287 |
| Grant County | $832,750 | $541,287 |
| Gregory County | $832,750 | $541,287 |
| Haakon County | $832,750 | $541,287 |
| Hamlin County | $832,750 | $541,287 |
| Hand County | $832,750 | $541,287 |
| Hanson County | $832,750 | $541,287 |
| Harding County | $832,750 | $541,287 |
| Hughes County | $832,750 | $541,287 |
| Hutchinson County | $832,750 | $541,287 |
| Hyde County | $832,750 | $541,287 |
| Jackson County | $832,750 | $541,287 |
| Jerauld County | $832,750 | $541,287 |
| Jones County | $832,750 | $541,287 |
| Kingsbury County | $832,750 | $541,287 |
| Lake County | $832,750 | $541,287 |
| Lawrence County | $832,750 | $541,650 |
| Lincoln County | $832,750 | $541,287 |
| Lyman County | $832,750 | $541,287 |
| Marshall County | $832,750 | $541,287 |
| McCook County | $832,750 | $541,287 |
| McPherson County | $832,750 | $541,287 |
| Meade County | $832,750 | $541,287 |
| Mellette County | $832,750 | $541,287 |
| Miner County | $832,750 | $541,287 |
| Minnehaha County | $832,750 | $541,287 |
| Moody County | $832,750 | $541,287 |
| Oglala Lakota County | $832,750 | $541,287 |
| Pennington County | $832,750 | $541,287 |
| Perkins County | $832,750 | $541,287 |
| Potter County | $832,750 | $541,287 |
| Roberts County | $832,750 | $541,287 |
| Sanborn County | $832,750 | $541,287 |
| Spink County | $832,750 | $541,287 |
| Stanley County | $832,750 | $541,287 |
| Sully County | $832,750 | $541,287 |
| Todd County | $832,750 | $541,287 |
| Tripp County | $832,750 | $541,287 |
| Turner County | $832,750 | $541,287 |
| Union County | $832,750 | $541,287 |
| Walworth County | $832,750 | $541,287 |
| Yankton County | $832,750 | $541,287 |
| Ziebach 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 South Dakota?
Veterans with full entitlement have no VA loan limit in South Dakota. With reduced entitlement, 2026 county limits in South Dakota range from $832,750 to $832,750 (Aurora 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.