VA Max Loan Limits Raised for 2019

VA Loan Limits have increased to $484,350 in 2019 for single family 1 unit homes in all non high cost Counties across the Country.  The higher 2019 VA loan amount is effective January 1, 2019. 

2019 Maximum VA Loan Amount

2019 Maximum VA Loan Amount

VA Loan Limit County Search

VA’s 2019 loan limit increase is due to the Federal Housing Finance Agency increasing Conforming Loan Limits for 2019.   VA home loans above the VA limits are available.  Learn more – VA Jumbo Loans.

2019 Max VA Loan in Arizona

CountyStateVA Loan Limit
Apache CountyArizona$484,350
Cochise CountyArizona$484,350
Coconino CountyArizona$484,350
Gila CountyArizona$484,350
Graham CountyArizona$484,350
Greenlee CountyArizona$484,350
La Paz CountyArizona$484,350
Maricopa CountyArizona$484,350
Mohave CountyArizona$484,350
Navajo CountyArizona$484,350
Pima CountyArizona$484,350
Pinal CountyArizona$484,350
Santa Cruz CountyArizona$484,350
Yavapai CountyArizona$484,350
Yuma CountyArizona$484,350
Arizona Max VA Loan Limit by County

2019 VA Loan Limits for Multi Unit Homes

The most common VA Loan limit referred to is the limit for a 1 unit residential property.   However, higher limits exist for 2, 3 and 4 unit residential properties.   Check out the table for more on multi-unit VA Loan limits as well as special high cost are VA Loan limits.

2019 VA Loan Limits for 1-4 Unit Homes

2019 VA Loan Limits for 1-4 Unit Homes

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VA Loan Limits Not Chosen by VA

Interestingly, VA does not determine the max VA loan limit.  In fact, VA has no set max loan limit.  However, while VA does not set a maximum loan amount, they do set a maximum loan amount they will insure.

The max “Conforming Loan Limit” set by the Federal Housing Finance Agency dictates what VA will insure.  As a result, VA matches the max loan they will insure with FHFA’s max Conforming Loan Limit.

In addition, mortgage lenders set their 0% down VA loan limit with FHFA’s max Conforming Loan Limits as well.  Furthermore, were a lender to extend VA loans above FHFA’s max limit would be woefully under insured position.

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By Jeremy House


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