Big news for veterans and active-duty service members planning to buy a home in 2026. VA loan limits have increased again, unlocking even more purchasing power and opportunity.
For 2026, the VA loan limit in most U.S. counties is $832,750, with even higher limits in select high-cost areas. These limits are set annually by the Federal Housing Finance Agency (FHFA) and, historically, they’ve continued to rise year over year.
Each increase is more than just a number. It means more entitlement and more buying power for veterans, helping them compete in today’s housing market and access homes that better fit their needs.
Why VA Loan Limits Matter
VA loan limits are tied to conforming loan limits established by the FHFA. As home prices have risen nationwide, these limits have followed suit.
When limits increase:
- Veterans can qualify for larger loan amounts
- Monthly payments may remain manageable thanks to competitive VA rates
- Buyers have more flexibility in choosing where and how they live
VA mortgages are a great option for qualifying homebuyers, offering down payments as low as 0% and flexible qualifying criteria. Paired with the new loan limits, affordability may be even more within reach.
No VA Loan Limit? Here’s What That Means
Under the 2019 Blue Water Navy Vietnam Veterans Act, veterans who have no outstanding debt with the Department of Veterans Affairs technically do not have a VA loan limit.
However, while the VA itself may not cap the loan amount, lenders still set limits based on risk, underwriting guidelines, and investor requirements. Veterans who apply with SWBC Mortgage may be eligible for VA loans exceeding the conforming loan limit, up to $2 million, depending on qualifications.
Benefits of the VA Loan Program
The VA loan program remains one of the most powerful homeownership tools available to veterans. Key benefits include:
- No down payment required for most qualified buyers
- No private mortgage insurance (PMI), which can save hundreds per month
- Competitive interest rates
- Flexible credit guidelines
- Limited closing costs
- Options for purchase, refinance and cash-out refinance
- Renovate a house and turn it into your dream home
These benefits, combined with rising loan limits, make VA loans an even stronger option in 2026.
Why Increased Loan Limits Are a Win for Veterans
Higher VA loan limits can deliver real-world advantages, including:
- Greater buying power in rising markets
- Access to homes that better meet financial and lifestyle needs
- Increased ability to compete with buyers using other programs
- Long-term wealth building through homeownership
Each increase is another step toward leveling the playing field for those who have served.
Let SWBC Mortgage Help You Make the Most of Your VA Benefits
Your VA benefit is earned. Using it wisely can make all the difference.
At SWBC Mortgage, our experienced loan officers understand the VA loan program inside and out, including higher loan amounts and specialty scenarios. Whether you’re buying your first home or upgrading to your next one, we’re here to guide you every step of the way.
Because for us, helping veterans achieve homeownership truly is the happiest way home.
Ready to explore your VA loan options? Connect with a SWBC Mortgage loan officer today.