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  • The Government provides mortgage assistance to veterans, National Guard members, active duty personnel and their surviving spouses. Although the VA Department does not provide the loans directly, they provide approved lenders with insurance so they can afford to approve customers who may otherwise not qualify and offer them premium interest rates. This is called a guarantee, and it allows many service members and their families to qualify for a mortgage home, because lenders know that if the service member does not pay the mortgage, the VA will cover the balance up to the amount guaranteed.

    The maximum loan guarantee a service member can qualify changes on a yearly basis, sometimes more often, depending on the policies set by the legislature. The 2012 loan limits have changed considerably from the 2011 limits. The numbers quoted in this article for 2012 could still change if Congress allows the Veteran Affairs Department to calculate the maximum loan guarantee as it has in previous years. If this happens, the loan limits may increase a little, but they will not drop.

    Notice that the VA does not limit the amount a veteran or an eligible service person borrow, that is between the veteran and the lender. However, the VA does set a limit on the loan amount it will guarantee, which will often end up being the maximum amount the lender is willing to lend. The loan limits set below do not represent the maximum amount the VA will repay if the veteran fails to meet mortgage payments, the VA will repay up to 25 percent of these loans amounts. Additionally, if a veteran has previously used similar entitlement benefits and failed to repay them, the veteran’s maximum guarantee amount will be reduced accordingly.

    The maximum loans amounts vary from county to county based on the cost of living and the average price of property in the region. The general upper limit for guaranteed loans is $417,000. However, due to particularly high property prices in certain regions, some counties qualify for a higher VA maximum amount.  The list below, provided by the VA Department, includes all counties that qualify for a higher VA loan limit, the state they are in, the maximum loan amount and the regional VA loan center you must contact for assistance.

    What state are you in? Please select an item.

    Behind on your mortgage payments?: Please select an item.

    Estimated mortgage balance owed? Please select an item.

    Who is your lender? A value is required.

    First Name: A value is required.

    Last Name: A value is required.

    Primary Phone Number: A value is required.

    Secondary Phone Number:

    Your Email Address: A value is required.

     

    AK ALEUTIANS EAST $625,500 DENVER
    AK ALEUTIANS WEST $625,500 DENVER
    AK ANCHORAGE $625,500 DENVER
    AK BETHEL $625,500 DENVER
    AK BRISTOL BAY $625,500 DENVER
    AK DENALI $625,500 DENVER
    AK DILLINGHAM $625,500 DENVER
    AK FAIRBANKS NORTH $625,500 DENVER
    AK HAINES $625,500 DENVER
    AK HOONAH-ANGOON $625,500 DENVER
    AK JUNEAU $625,500 DENVER
    AK KENAI PENINSULA $625,500 DENVER
    AK KETCHIKAN GATEWAY $625,500 DENVER
    AK KODIAK ISLAND $625,500 DENVER
    AK LAKE AND PENINSULA $625,500 DENVER
    AK MATANUSKA-SUSITNA $625,500 DENVER
    AK NOME $625,500 DENVER
    AK NORTH SLOPE $625,500 DENVER
    AK NORTHWEST ARCTIC $625,500 DENVER
    AK PETERSBURG $625,500 DENVER
    AK PRINCE OF WALES-HYDER $625,500 DENVER
    AK SITKA $625,500 DENVER
    AK SKAGWAY MUNICIPALITY $625,500 DENVER
    AK SOUTHEAST FAIRBANKS $625,500 DENVER
    AK VALDEZ-CORDOVA $625,500 DENVER
    AK WADE HAMPTON $625,500 DENVER
    AK
    WRANGELL
    CITY/BOROUGH $625,500 DENVER
    AK YAKUTAT CITY $625,500 DENVER
    AK YUKON-KOYUKUK $625,500 DENVER
    CA ALAMEDA $625,500 PHOENIX
    CA CONTRA COSTA $625,500 PHOENIX
    CA LOS ANGELES $621,000 PHOENIX
    CA MARIN $625,500 PHOENIX
    CA NAPA $460,000 PHOENIX
    CA ORANGE $621,000 PHOENIX
    CA SAN BENITO $625,500 PHOENIX
    CA SAN DIEGO $477,000 PHOENIX
    CA SAN FRANCISCO $625,500 PHOENIX
    CA SAN LUIS OBISPO $457,700 PHOENIX
    CA SAN MATEO $625,500 PHOENIX
    CA SANTA BARBARA $598,000 PHOENIX
    CA SANTA CLARA $625,500 PHOENIX
    CA SANTA CRUZ $610,650 PHOENIX
    CA SONOMA $419,750 PHOENIX
    CA VENTURA $518,650 PHOENIX
    CO EAGLE $625,500 DENVER
    CO LAKE $625,500 DENVER
    CO PITKIN $625,500 DENVER
    CO ROUTT $523,250 DENVER
    CO SAN MIGUEL $625,500 DENVER
    CO SUMMIT $621,000 DENVER
    CT FAIRFIELD $601,450 CLEVELAND
    DC DISTRICT OF COLUMBIA $625,500 ROANOKE
    GU GUAM $625,500 HONOLULU
    HI HAWAII $625,500 HONOLULU
    HI HONOLULU $695,750 HONOLULU
    HI KALAWAO $625,500 HONOLULU
    HI KAUAI $625,500 HONOLULU
    HI MAUI $625,500 HONOLULU
    ID TETON $600,300 DENVER
    MA DUKES $625,500 CLEVELAND
    MA ESSEX $460,000 CLEVELAND
    MA MIDDLESEX $460,000 CLEVELAND
    MA NANTUCKET $625,500 CLEVELAND
    MA NORFOLK $460,000 CLEVELAND
    MA PLYMOUTH $460,000 CLEVELAND
    MA SUFFOLK $460,000 CLEVELAND
    MD ANNE ARUNDEL $494,500 ROANOKE
    MD BALTIMORE $494,500 ROANOKE
    MD BALTIMORE CITY $494,500 ROANOKE
    MD CALVERT $625,500 ROANOKE
    MD CARROLL $478,400 ROANOKE
    MD CHARLES $625,500 ROANOKE
    MD FREDERICK $625,500 ROANOKE
    MD HARFORD $478,400 ROANOKE
    MD HOWARD $478,400 ROANOKE 

    MD MONTGOMERY $625,500 ROANOKE
    MD PRINCE GEORGE’S $625,500 ROANOKE
    MD QUEEN ANNE’S $478,400 ROANOKE
    NH ROCKINGHAM $460,000 CLEVELAND
    NH STRAFFORD $460,000 CLEVELAND
    NJ BERGEN $625,500 CLEVELAND
    NJ ESSEX $625,500 CLEVELAND
    NJ HUDSON $625,500 CLEVELAND
    NJ HUNTERDON $625,500 CLEVELAND
    NJ MIDDLESEX $625,500 CLEVELAND
    NJ MONMOUTH $625,500 CLEVELAND
    NJ MORRIS $625,500 CLEVELAND
    NJ OCEAN $625,500 CLEVELAND
    NJ PASSAIC $625,500 CLEVELAND
    NJ SOMERSET $625,500 CLEVELAND
    NJ SUSSEX $625,500 CLEVELAND
    NJ UNION $625,500 CLEVELAND
    NY BRONX $625,500 CLEVELAND
    NY KINGS $625,500 CLEVELAND
    NY NASSAU $625,500 CLEVELAND
    NY NEW YORK $625,500 CLEVELAND
    NY PUTNAM $625,500 CLEVELAND
    NY QUEENS $625,500 CLEVELAND
    NY RICHMOND $625,500 CLEVELAND
    NY ROCKLAND $625,500 CLEVELAND
    NY SUFFOLK $625,500 CLEVELAND
    NY WESTCHESTER $625,500 CLEVELAND
    PA PIKE $625,500 CLEVELAND
    UT SALT LAKE $594,550 DENVER
    UT SUMMIT $594,550 DENVER
    UT TOOELE $594,550 DENVER
    VA ALEXANDRIA $625,500 ROANOKE
    VA ARLINGTON $625,500 ROANOKE
    VA CLARKE $625,500 ROANOKE
    VA FAIRFAX $625,500 ROANOKE
    VA FAIRFAX IND $625,500 ROANOKE
    VA FALLS CHURCH $625,500 ROANOKE
    VA FAUQUIER $625,500 ROANOKE
    VA FREDERICKSBURG $625,500 ROANOKE
    VA LOUDOUN $625,500 ROANOKE
    VA MANASSAS $625,500 ROANOKE
    VA MANASSAS PARK $625,500 ROANOKE
    VA PRINCE WILLIAM $625,500 ROANOKE
    VA SPOTSYLVANIA $625,500 ROANOKE
    VA STAFFORD $625,500 ROANOKE
    VA WARREN $625,500 ROANOKE
    VI ST. CROIX $625,500 ST. PETERSBURG 

    VI ST. JOHN $625,500 ST. PETERSBURG
    VI ST. THOMAS $625,500 ST. PETERSBURG
    WA KING $458,850 DENVER
    WA PIERCE $458,850 DENVER
    WA SAN JUAN $432,400 DENVER
    WA SNOHOMISH $458,850 DENVER
    WV JEFFERSON $625,500 ROANOKE
    WY TETON $625,500 DENVER

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