With full entitlement
No limit
Veterans with full entitlement have no VA loan limit in Virginia. With reduced entitlement, 2026 county limits in Virginia range from $832,750 to $1,249,125 (Alexandria city).
$1,249,125highest county limit (Alexandria city)
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 Virginia (reduced entitlement)
| County | VA / conforming limit | FHA limit |
|---|---|---|
| Alexandria city | $1,249,125 | $1,249,125 |
| Arlington County | $1,249,125 | $1,249,125 |
| Clarke County | $1,249,125 | $1,249,125 |
| Culpeper County | $1,249,125 | $1,249,125 |
| Fairfax County | $1,249,125 | $1,249,125 |
| Fairfax city | $1,249,125 | $1,249,125 |
| Falls Church city | $1,249,125 | $1,249,125 |
| Fauquier County | $1,249,125 | $1,249,125 |
| Fredericksburg city | $1,249,125 | $1,249,125 |
| Loudoun County | $1,249,125 | $1,249,125 |
| Manassas Park city | $1,249,125 | $1,249,125 |
| Manassas city | $1,249,125 | $1,249,125 |
| Prince William County | $1,249,125 | $1,249,125 |
| Rappahannock County | $1,249,125 | $1,249,125 |
| Spotsylvania County | $1,249,125 | $1,249,125 |
| Stafford County | $1,249,125 | $1,249,125 |
| Warren County | $1,249,125 | $1,249,125 |
| Madison County | $1,209,750 | $541,287 |
| Accomack County | $832,750 | $541,287 |
| Albemarle County | $832,750 | $598,000 |
| Alleghany County | $832,750 | $541,287 |
| Amelia County | $832,750 | $707,250 |
| Amherst County | $832,750 | $541,287 |
| Appomattox County | $832,750 | $541,287 |
| Augusta County | $832,750 | $541,287 |
| Bath County | $832,750 | $541,287 |
| Bedford County | $832,750 | $541,287 |
| Bland County | $832,750 | $541,287 |
| Botetourt County | $832,750 | $541,287 |
| Bristol city | $832,750 | $541,287 |
| Brunswick County | $832,750 | $541,287 |
| Buchanan County | $832,750 | $541,287 |
| Buckingham County | $832,750 | $541,287 |
| Buena Vista city | $832,750 | $541,287 |
| Campbell County | $832,750 | $541,287 |
| Caroline County | $832,750 | $541,287 |
| Carroll County | $832,750 | $541,287 |
| Charles City County | $832,750 | $707,250 |
| Charlotte County | $832,750 | $541,287 |
| Charlottesville city | $832,750 | $598,000 |
| Chesapeake city | $832,750 | $757,850 |
| Chesterfield County | $832,750 | $707,250 |
| Colonial Heights city | $832,750 | $707,250 |
| Covington city | $832,750 | $541,287 |
| Craig County | $832,750 | $541,287 |
| Cumberland County | $832,750 | $541,287 |
| Danville city | $832,750 | $541,287 |
| Dickenson County | $832,750 | $541,287 |
| Dinwiddie County | $832,750 | $707,250 |
| Emporia city | $832,750 | $541,287 |
| Essex County | $832,750 | $541,287 |
| Floyd County | $832,750 | $541,287 |
| Fluvanna County | $832,750 | $598,000 |
| Franklin County | $832,750 | $541,287 |
| Franklin city | $832,750 | $541,287 |
| Frederick County | $832,750 | $541,287 |
| Galax city | $832,750 | $541,287 |
| Giles County | $832,750 | $541,287 |
| Gloucester County | $832,750 | $757,850 |
| Goochland County | $832,750 | $707,250 |
| Grayson County | $832,750 | $541,287 |
| Greene County | $832,750 | $598,000 |
| Greensville County | $832,750 | $541,287 |
| Halifax County | $832,750 | $541,287 |
| Hampton city | $832,750 | $757,850 |
| Hanover County | $832,750 | $707,250 |
| Harrisonburg city | $832,750 | $541,287 |
| Henrico County | $832,750 | $707,250 |
| Henry County | $832,750 | $541,287 |
| Highland County | $832,750 | $541,287 |
| Hopewell city | $832,750 | $707,250 |
| Isle of Wight County | $832,750 | $757,850 |
| James City County | $832,750 | $757,850 |
| King George County | $832,750 | $541,287 |
| King William County | $832,750 | $707,250 |
| King and Queen County | $832,750 | $707,250 |
| Lancaster County | $832,750 | $541,287 |
| Lee County | $832,750 | $541,287 |
| Lexington city | $832,750 | $541,287 |
| Louisa County | $832,750 | $541,287 |
| Lunenburg County | $832,750 | $541,287 |
| Lynchburg city | $832,750 | $541,287 |
| Martinsville city | $832,750 | $541,287 |
| Mathews County | $832,750 | $757,850 |
| Mecklenburg County | $832,750 | $541,287 |
| Middlesex County | $832,750 | $541,287 |
| Montgomery County | $832,750 | $541,287 |
| Nelson County | $832,750 | $598,000 |
| New Kent County | $832,750 | $707,250 |
| Newport News city | $832,750 | $757,850 |
| Norfolk city | $832,750 | $757,850 |
| Northampton County | $832,750 | $541,287 |
| Northumberland County | $832,750 | $541,287 |
| Norton city | $832,750 | $541,287 |
| Nottoway County | $832,750 | $541,287 |
| Orange County | $832,750 | $541,287 |
| Page County | $832,750 | $541,287 |
| Patrick County | $832,750 | $541,287 |
| Petersburg city | $832,750 | $707,250 |
| Pittsylvania County | $832,750 | $541,287 |
| Poquoson city | $832,750 | $757,850 |
| Portsmouth city | $832,750 | $757,850 |
| Powhatan County | $832,750 | $707,250 |
| Prince Edward County | $832,750 | $541,287 |
| Prince George County | $832,750 | $707,250 |
| Pulaski County | $832,750 | $541,287 |
| Radford city | $832,750 | $541,287 |
| Richmond County | $832,750 | $541,287 |
| Richmond city | $832,750 | $707,250 |
| Roanoke County | $832,750 | $541,287 |
| Roanoke city | $832,750 | $541,287 |
| Rockbridge County | $832,750 | $541,287 |
| Rockingham County | $832,750 | $541,287 |
| Russell County | $832,750 | $541,287 |
| Salem city | $832,750 | $541,287 |
| Scott County | $832,750 | $541,287 |
| Shenandoah County | $832,750 | $541,287 |
| Smyth County | $832,750 | $541,287 |
| Southampton County | $832,750 | $541,287 |
| Staunton city | $832,750 | $541,287 |
| Suffolk city | $832,750 | $757,850 |
| Surry County | $832,750 | $757,850 |
| Sussex County | $832,750 | $707,250 |
| Tazewell County | $832,750 | $541,287 |
| Virginia Beach city | $832,750 | $757,850 |
| Washington County | $832,750 | $541,287 |
| Waynesboro city | $832,750 | $541,287 |
| Westmoreland County | $832,750 | $541,287 |
| Williamsburg city | $832,750 | $757,850 |
| Winchester city | $832,750 | $541,287 |
| Wise County | $832,750 | $541,287 |
| Wythe County | $832,750 | $541,287 |
| York County | $832,750 | $757,850 |
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 Virginia?
Veterans with full entitlement have no VA loan limit in Virginia. With reduced entitlement, 2026 county limits in Virginia range from $832,750 to $1,249,125 (Alexandria city).
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.