Veterans with full entitlement have no VA loan limit in West Virginia. With reduced entitlement, 2026 county limits in West Virginia range from $832,750 to $1,249,125 (Jefferson 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 West Virginia (reduced entitlement)
| County | VA / conforming limit | FHA limit |
|---|---|---|
| Jefferson County | $1,249,125 | $1,249,125 |
| Barbour County | $832,750 | $541,287 |
| Berkeley County | $832,750 | $541,287 |
| Boone County | $832,750 | $541,287 |
| Braxton County | $832,750 | $541,287 |
| Brooke County | $832,750 | $541,287 |
| Cabell County | $832,750 | $541,287 |
| Calhoun County | $832,750 | $541,287 |
| Clay County | $832,750 | $541,287 |
| Doddridge County | $832,750 | $541,287 |
| Fayette County | $832,750 | $541,287 |
| Gilmer County | $832,750 | $541,287 |
| Grant County | $832,750 | $541,287 |
| Greenbrier County | $832,750 | $541,287 |
| Hampshire County | $832,750 | $541,287 |
| Hancock County | $832,750 | $541,287 |
| Hardy County | $832,750 | $541,287 |
| Harrison County | $832,750 | $541,287 |
| Jackson County | $832,750 | $541,287 |
| Kanawha County | $832,750 | $541,287 |
| Lewis County | $832,750 | $541,287 |
| Lincoln County | $832,750 | $541,287 |
| Logan County | $832,750 | $541,287 |
| Marion County | $832,750 | $541,287 |
| Marshall County | $832,750 | $541,287 |
| Mason County | $832,750 | $541,287 |
| McDowell County | $832,750 | $541,287 |
| Mercer County | $832,750 | $541,287 |
| Mineral County | $832,750 | $541,287 |
| Mingo County | $832,750 | $541,287 |
| Monongalia County | $832,750 | $541,287 |
| Monroe County | $832,750 | $541,287 |
| Morgan County | $832,750 | $541,287 |
| Nicholas County | $832,750 | $541,287 |
| Ohio County | $832,750 | $541,287 |
| Pendleton County | $832,750 | $541,287 |
| Pleasants County | $832,750 | $541,287 |
| Pocahontas County | $832,750 | $541,287 |
| Preston County | $832,750 | $541,287 |
| Putnam County | $832,750 | $541,287 |
| Raleigh County | $832,750 | $541,287 |
| Randolph County | $832,750 | $541,287 |
| Ritchie County | $832,750 | $541,287 |
| Roane County | $832,750 | $541,287 |
| Summers County | $832,750 | $541,287 |
| Taylor County | $832,750 | $541,287 |
| Tucker County | $832,750 | $541,287 |
| Tyler County | $832,750 | $541,287 |
| Upshur County | $832,750 | $541,287 |
| Wayne County | $832,750 | $541,287 |
| Webster County | $832,750 | $541,287 |
| Wetzel County | $832,750 | $541,287 |
| Wirt County | $832,750 | $541,287 |
| Wood County | $832,750 | $541,287 |
| Wyoming 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 West Virginia?
Veterans with full entitlement have no VA loan limit in West Virginia. With reduced entitlement, 2026 county limits in West Virginia range from $832,750 to $1,249,125 (Jefferson 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.