2018 Maximum VA Loan Amount | $453,100

Loan Limits rise in 2018

VA maximum loan amounts are rising along side Conventional Loan limits.  Effective January 1, 2018 the maximum 0% down VA home loan limit is $453,100 for non high cost areas.  The max VA loan increase is due to the Federal Housing Finance Agency’s increase to “Conforming Loan Limits” for 2018.

VA Max Loan Amount Limits 2018





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VA Home Loan Max Limit 2018

Effective January 1, 2018, the VA home loan maximum is $453,100 in non high cost areas.  High cost areas VA maximum  limits are well above that and vary from area to area. Check out this map showing the maximum VA loan limit County by County across the United States.

Maximum VA Home Loan Limits 2018 Arizona

Maximum VA Loan Limit 2018






VA Max Loan Limit Is Not VA’s Maximum

Interestingly, the VA does not determine the maximum VA loan limit.  While the VA does not set a maximum dollar amount a veteran can borrow, they do set a maximum amount they will insure.  Mortgage lenders ultimately choose the actual maximum VA loan limit.

The maximum Conforming Loan limit set forth by the Federal Housing Finance Agency (FHFA) determines the amount the VA will insure.  As a result, lenders set the maximum VA loan limit with 0% down matching the maximum Conventional loan limit.  Furthermore, lenders choose to limit what they lend on a VA loan to the same amount set forth by the FHFA to protect themselves.  Not doing so and exceeding that amount puts a lender in an extremely overexposed position.

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By Jeremy House


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