Did VA loan limits change for 2026, and how much can I borrow with no down payment?

Short answer: most veterans with full entitlement don't have a VA loan limit at all. That cap was removed back in 2020. What did change for 2026 is the conforming loan limit, a reference number the VA still uses for borrowers with less than full entitlement.

• The Federal Housing Finance Agency (FHFA) sets a new baseline conforming loan limit every year. For 2026, it rose to $832,750 for a one-unit home in most of the country, up from $806,500 in 2025. Some higher-cost counties have a higher limit.
• If you have full VA entitlement (you've never used your VA loan benefit, or you sold a prior VA-financed home and had your entitlement restored), there's no cap on how much you can borrow with $0 down, as long as a lender approves you for the amount and the appraisal supports the price.
• If you have remaining (partial) entitlement, often because you still owe on an existing VA loan, the conforming loan limit for your county factors into how much you can finance with no money down.

Gene can pull your Certificate of Eligibility to check your entitlement status and walk you through what that means for your specific purchase.

Gene Richter, MLO, NMLS #2806488 | PBT Bancorp, NMLS #257781. General information, not a commitment to lend. Not affiliated with or endorsed by the U.S. Department of Veterans Affairs.