1. What is the VA Loan Limit?

The VA loan limit calculates the maximum loan amount for VA-backed loans based on entitlement amount and county-specific limits. With full entitlement, there's no limit up to the county's conforming loan limit ($806,500 standard in 2025, higher in certain areas).

2. How Does the Calculator Work?

The calculator uses the VA loan limit formula:

Where:

• \( E \) — Entitlement amount (USD)
• \( county\_limit \) — County-specific loan limit (USD)
• \( Limit \) — Calculated loan limit (USD)

Explanation: The formula takes the smaller value between the county limit and four times the entitlement amount.

3. Importance of VA Loan Limits

Details: VA loan limits determine the maximum loan amount that can be obtained without a down payment. Understanding these limits helps veterans and service members plan their home purchases.

4. Using the Calculator

Tips: Enter the entitlement amount in USD and the county-specific limit (e.g., $806,500 or $1,209,750 for high-cost areas). Both values must be positive numbers.

5. Frequently Asked Questions (FAQ)

Q1: What is the standard VA loan limit in 2025?
A: The standard limit is $806,500, but it can be higher in high-cost counties (up to $1,209,750).

Q2: Is there a limit with full entitlement?
A: No, veterans with full entitlement can borrow above the county limit without a down payment.

Q3: How is entitlement calculated?
A: Basic entitlement is $36,000 (25% of $144,000), but full entitlement is higher (25% of the county limit).

Q4: Can I exceed the county limit?
A: Yes, but amounts above the county limit may require a down payment for the difference.

Q5: Are VA loan limits the same nationwide?
A: No, limits vary by county based on local housing costs.