2026 VA County Loan Limits Announced | Get the Full Breakdown for Standard & High-Cost Counties

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The 2026 VA county loan limits are officially here, and the numbers are higher than expected. In this video, Evan breaks down the new VA loan limits for standard counties and high-cost areas, what changed from 2025, and how these limits may impact your next VA-backed home purchase—especially if you’re keeping an existing VA loan.

2026 VA County Loan Limits:
Standard counties: $832,750
High-cost counties (CA, HI, AK, CO, FL, D.C., etc.): $1,249,125

If you’re active duty and PCSing, keeping a rental property, or planning to use your VA loan twice, these new numbers matter. The updated limits determine your remaining 0% down eligibility when you already have a VA loan on your Certificate of Eligibility.

And yes, you can buy above that amount by only bringing 25% of the difference, not a full down payment.

Here's what we'll cover:

✔️ The new 2026 VA loan limits by county
✔️ Why the limits increased more than predicted
✔️ How county limits affect second-time VA loan use
✔️ What “0% down eligibility” means (with some examples)
✔️ How to calculate your remaining entitlement if you keep your current home
✔️ Why the VA loan can still require very small down payments, even above the county limit

These new loan limits will matter for thousands of military families in 2026, especially those PCSing into high-cost markets. If you want help running your numbers or planning your next move, we’re here to help.

And if you need more specific advice - please call/text me. Me or my assistant will respond personally. 316-669-5272

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