SUBJECT: 2023 VA Loan Limits

DATE: December 06, 2022

While VA has not yet published 2023 loan limits, it is anticipated that the 2023 conventional loan limits set forth by the Federal Housing Finance Agency (FHFA) for Fannie Mae & Freddie Mac will apply to VA loans when determining the maximum guaranty amount, if applicable.

Note: Loan limits and entitlement requirements do not apply to IRRRLs

*This announcement supersedes REMN’s former announcement number 2022-18 regarding temporary 2023 loan limits

2023 Conforming Loan Limits

2023 High-Cost*


Contiguous States Alaska, Hawaii Units Contiguous States Alaska, Hawaii


$726,200 $1,089,300 One $1,089,300 N/A


$929,850 $1,394,775 Two $1,394,775


Three $1,123,900 $1,685,850 Three $1,685,850


Four $1,396,800 $2,095,200 Four $2,095,200


*Actual loan limits for certain high-cost areas may be lower than the maximum loan amount listed above

To view loan limits by county, click here: FHFA 2023 Loan Limits by County

2023 Loan Limit Eligibility

Veteran has Full Entitlement/First Time Use/Full Entitlement will be Restored:

  • 2023 loan limits may be applied immediately to both pipeline loans and new submissions

Veteran with Partial Entitlement/Entitlement Cannot be Restored/Loan Amount ≤ $144,000:

  • 2023 loan limits may be applied to both new submissions and loans currently in the pipeline IF the Note is dated on or after January 1st, 2023

*Note: If the Note Date is prior to January 1st, 2023, and the loan amount exceeds the 2023 limit, the loan will be re-priced as a high balance transaction

Please contact your Account Executive with any questions.