2026 limits in counties with large installations
FHFA one-unit limits; the baseline in most of the country is $832,750.00, the high-cost ceiling $1,249,125.00.
| County | 2026 | 2025 |
|---|---|---|
| San Diego County, CANaval Base San Diego, Camp Pendleton | $1,104,000.00 | $1,077,550.00 |
| Honolulu County, HIJoint Base Pearl Harbor-Hickam, Schofield Barracks | $1,249,125.00 | $1,209,750.00 |
| Arlington County, VAThe Pentagon, Joint Base Myer-Henderson Hall | $1,249,125.00 | $1,209,750.00 |
| Fairfax County, VAFort Belvoir | $1,249,125.00 | $1,209,750.00 |
| Prince William County, VAMarine Corps Base Quantico | $1,249,125.00 | $1,209,750.00 |
| Prince George's County, MDJoint Base Andrews | $1,249,125.00 | $1,209,750.00 |
| Anne Arundel County, MDFort Meade, U.S. Naval Academy | $832,750.00 | $806,500.00 |
| Middlesex County, MAHanscom AFB | $962,550.00 | $914,250.00 |
| Santa Barbara County, CAVandenberg SFB | $941,850.00 | $913,100.00 |
| Pierce County, WAJoint Base Lewis-McChord | $1,063,750.00 | $1,037,300.00 |
| Kitsap County, WANaval Base Kitsap | $832,750.00 | $806,500.00 |
| El Paso County, COFort Carson, Peterson SFB, U.S. Air Force Academy | $832,750.00 | $806,500.00 |
| Anchorage Municipality, AKJoint Base Elmendorf-Richardson | $1,249,125.00 | $1,209,750.00 |
| Fairbanks North Star Borough, AKFort Wainwright, Eielson AFB | $1,249,125.00 | $1,209,750.00 |
| Okaloosa County, FLEglin AFB, Hurlburt Field | $832,750.00 | $806,500.00 |
| Onslow County, NCCamp Lejeune | $832,750.00 | $806,500.00 |
| Cumberland County, NCFort Bragg | $832,750.00 | $806,500.00 |
| Norfolk City, VANaval Station Norfolk | $832,750.00 | $806,500.00 |
| Bexar County, TXJoint Base San Antonio | $832,750.00 | $806,500.00 |
| Bell County, TXFort Hood | $832,750.00 | $806,500.00 |
Who the county limit applies to
VA: "VA does not limit how much you can borrow from your lender to finance a home. Effective January 1, 2020, there are no county loan limits for Veterans with full VA home loan entitlement." The county figure matters only when entitlement from an earlier VA loan is still in use; VA restores it "when the property is sold, or the loan is paid-in-full."
VA does not publish a county table of its own. For the guaranty, lenders "reference only the One-Unit Limit column" of FHFA's list, even for a duplex or fourplex, and each December a VA circular announces FHFA's new figures for the VA program (Circular 26-25-10, December 1, 2025, for 2026).
The math, VA's way
Remaining bonus entitlement = 25% of the county's one-unit limit − entitlement charged and not restored. VA's example: $900,000.00 × .25 = $225,000.00; $225,000.00 − $50,000.00 = $175,000.00.
No-down-payment ceiling = remaining entitlement × 4: "$700,000 is the maximum amount most lenders would be willing to loan you without your needing to make a down payment."
Above it: "Most lenders require that your entitlement, down payment, or a combination of both covers at least 25% of your total loan amount." A streamline refinance (IRRRL) is outside the county limit altogether.