The Complete Guide to VA Loan Limits and Exemptions
Sarah Johnson
Senior Editor
Great news for Veterans: For most borrowers with full entitlement, there are NO loan limits. You can buy a million-dollar home with $0 down if you qualify income-wise.
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Full Entitlement Explained
If you have your full entitlement available, the VA does not cap how much you can borrow without a down payment. Lenders will still set their own limits, usually around $1.5M - $2M.
Partial Entitlement
If you have an active VA loan, your remaining entitlement is subject to county loan limits. You can still use a VA loan for a second home, but you might need a down payment.
Expert Perspective
"The VA loan is arguably the best mortgage product on the market. Ensure you are maximizing this earned benefit."
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