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2016 VA County Loan Limits (and FHA) for High Cost Counties

The 2016 VA County Loan Limits

The VA uses loan limit that are really set by FHA, and turned out to be the same for most of the country as last year.  A few counties were raised from 2015 numbers, and none were lowered.

Here are the 235 Counties with High Cost Loan Limits, Alphabetically by State then County.

Fannie Mae and Freddie Mac Maximum Loan Limits for Mortgages Acquired in Calendar Year 2016 (These limits were determined under the provisions of the Housing and Economic Recovery Act of 2008)

 

State County Name One-Unit Limit
AK ALEUTIANS EAST $625,500
AK ALEUTIANS WEST $625,500
AK ANCHORAGE $625,500
AK BETHEL $625,500
AK BRISTOL BAY $625,500
AK DENALI $625,500
AK DILLINGHAM $625,500
AK FAIRBANKS NORTH $625,500
AK HAINES $625,500
AK HOONAH-ANGOON C $625,500
AK JUNEAU $625,500
AK KENAI PENINSULA $625,500
AK KETCHIKAN GATEW $625,500
AK KODIAK ISLAND $625,500
AK LAKE AND PENINS $625,500
AK MATANUSKA-SUSIT $625,500
AK NOME $625,500
AK NORTH SLOPE $625,500
AK NORTHWEST ARCTI $625,500
AK PETERSBURG CENS $625,500
AK PRINCE OF WALES $625,500
AK SITKA $625,500
AK SKAGWAY MUNICIP $625,500
AK SOUTHEAST FAIRB $625,500
AK VALDEZ-CORDOVA $625,500
AK WADE HAMPTON $625,500
AK WRANGELL CITY A $625,500
AK YAKUTAT CITY $625,500
AK YUKON-KOYUKUK $625,500
CA ALAMEDA $625,500
CA ALPINE $463,450
CA CONTRA COSTA $625,500
CA EL DORADO $474,950
CA LOS ANGELES $625,500
CA MARIN $625,500
CA MONO $529,000
CA MONTEREY $529,000
CA NAPA $625,500
CA NEVADA $477,250
CA ORANGE $625,500
CA PLACER $474,950
CA SACRAMENTO $474,950
CA SAN BENITO $625,500
CA SAN DIEGO $580,750
CA SAN FRANCISCO $625,500
CA SAN LUIS OBISPO $561,200
CA SAN MATEO $625,500
CA SANTA BARBARA $625,500
CA SANTA CLARA $625,500
CA SANTA CRUZ $625,500
CA SONOMA $554,300
CA VENTURA $603,750
CA YOLO $474,950
CO ADAMS $458,850
CO ARAPAHOE $458,850
CO BOULDER $474,950
CO BROOMFIELD $458,850
CO CLEAR CREEK $458,850
CO DENVER $458,850
CO DOUGLAS $458,850
CO EAGLE $625,500
CO ELBERT $458,850
CO GARFIELD $625,500
CO GILPIN $458,850
CO HINSDALE $427,800
CO JEFFERSON $458,850
CO LAKE $625,500
CO OURAY $425,500
CO PARK $458,850
CO PITKIN $625,500
CO ROUTT $625,500
CO SAN MIGUEL $625,500
CO SUMMIT $625,500
CT FAIRFIELD $601,450
DC DISTRICT OF COL $625,500
FL COLLIER $448,500
FL MONROE $529,000
GA GREENE $515,200
GU GUAM $625,500
HI HAWAII $625,500
HI HONOLULU $721,050
HI KALAWAO $657,800
HI KAUAI $713,000
HI MAUI $657,800
ID BLAINE $625,500
ID CAMAS $625,500
ID LINCOLN $625,500
ID TETON $625,500
MA BRISTOL $426,650
MA DUKES $625,500
MA ESSEX $523,250
MA MIDDLESEX $523,250
MA NANTUCKET $625,500
MA NORFOLK $523,250
MA PLYMOUTH $523,250
MA SUFFOLK $523,250
MD ANNE ARUNDEL $517,500
MD BALTIMORE $517,500
MD BALTIMORE CITY $517,500
MD CALVERT $625,500
MD CARROLL $517,500
MD CHARLES $625,500
MD FREDERICK $625,500
MD HARFORD $517,500
MD HOWARD $517,500
MD MONTGOMERY $625,500
MD PRINCE GEORGE'S $625,500
MD QUEEN ANNE'S $517,500
MP NORTHERN ISLAND $524,400
MP SAIPAN $529,000
MP TINIAN $532,450
NC CAMDEN $625,500
NC CURRITUCK $458,850
NC GATES $458,850
NC HYDE $483,000
NC PASQUOTANK $625,500
NC PERQUIMANS $625,500
NH ROCKINGHAM $523,250
NH STRAFFORD $523,250
NJ BERGEN $625,500
NJ ESSEX $625,500
NJ HUDSON $625,500
NJ HUNTERDON $625,500
NJ MIDDLESEX $625,500
NJ MONMOUTH $625,500
NJ MORRIS $625,500
NJ OCEAN $625,500
NJ PASSAIC $625,500
NJ SOMERSET $625,500
NJ SUSSEX $625,500
NJ UNION $625,500
NY BRONX $625,500
NY DUTCHESS $625,500
NY KINGS $625,500
NY NASSAU $625,500
NY NEW YORK $625,500
NY ORANGE $625,500
NY PUTNAM $625,500
NY QUEENS $625,500
NY RICHMOND $625,500
NY ROCKLAND $625,500
NY SUFFOLK $625,500
NY WESTCHESTER $625,500
PA PIKE $625,500
RI BRISTOL $426,650
RI KENT $426,650
RI NEWPORT $426,650
RI PROVIDENCE $426,650
RI WASHINGTON $426,650
TN CANNON $437,000
TN CHEATHAM $437,000
TN DAVIDSON $437,000
TN DICKSON $437,000
TN HICKMAN $437,000
TN MACON $437,000
TN MAURY $437,000
TN ROBERTSON $437,000
TN RUTHERFORD $437,000
TN SMITH $437,000
TN SUMNER $437,000
TN TROUSDALE $437,000
TN WILLIAMSON $437,000
TN WILSON $437,000
UT SALT LAKE $600,300
UT SUMMIT $600,300
UT TOOELE $600,300
VA ALBEMARLE $437,000
VA ALEXANDRIA $625,500
VA AMELIA $535,900
VA ARLINGTON $625,500
VA BUCKINGHAM $437,000
VA CAROLINE $535,900
VA CHARLES CITY $535,900
VA CHARLOTTESVILLE $437,000
VA CHESAPEAKE $458,850
VA CHESTERFIELD $535,900
VA CLARKE $625,500
VA COLONIAL HEIGHT $535,900
VA CULPEPER $625,500
VA CUMBERLAND $535,900
VA DINWIDDIE $535,900
VA FAIRFAX $625,500
VA FAIRFAX IND $625,500
VA FALLS CHURCH $625,500
VA FAUQUIER $625,500
VA FLUVANNA $437,000
VA FREDERICKSBURG $625,500
VA GLOUCESTER $458,850
VA GOOCHLAND $535,900
VA GREENE $437,000
VA HAMPTON $458,850
VA HANOVER $535,900
VA HENRICO $535,900
VA HOPEWELL $535,900
VA ISLE OF WIGHT $458,850
VA JAMES CITY $458,850
VA KING AND QUEEN $535,900
VA KING WILLIAM $535,900
VA LANCASTER $442,750
VA LOUDOUN $625,500
VA LOUISA $535,900
VA MANASSAS $625,500
VA MANASSAS PARK $625,500
VA MATHEWS $458,850
VA NELSON $437,000
VA NEW KENT $535,900
VA NEWPORT NEWS $458,850
VA NORFOLK $458,850
VA PETERSBURG $535,900
VA POQUOSON $458,850
VA PORTSMOUTH $458,850
VA POWHATAN $535,900
VA PRINCE GEORGE $535,900
VA PRINCE WILLIAM $625,500
VA RAPPAHANNOCK $625,500
VA RICHMOND IND $535,900
VA SPOTSYLVANIA $625,500
VA STAFFORD $625,500
VA SUFFOLK $458,850
VA SURRY $458,850
VA SUSSEX $535,900
VA VIRGINIA BEACH $458,850
VA WARREN $625,500
VA WILLIAMSBURG $458,850
VA YORK $458,850
VI ST. CROIX $625,500
VI ST. JOHN,VI $625,500
VI ST. THOMAS $625,500
WA KING $540,500
WA PIERCE $540,500
WA SAN JUAN $483,000
WA SNOHOMISH $540,500
WV JEFFERSON $625,500
WY TETON $625,500

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  1. […] If you have an existing VA loan and are looking to purchase a new property, the most important factor is going to be the county limit for the new property.   All of the calculations will rely on this. In most of the country, the limit is $417,000.  You can find the 235 counties that are exceptions to that here. […]