What is the VA loan limit in District of Columbia for 2026?

With full entitlement, none. For partial entitlement, most District of Columbia counties use the $832,750 conforming baseline; high-cost counties go up to $1,249,125.

Do VA loans in District of Columbia require a down payment or PMI?

No. Eligible borrowers can buy with $0 down, and VA loans never charge monthly mortgage insurance.

VA Loan Limits in District of Columbia (2026)

For 2026, the VA county loan limit for most District of Columbia counties is $832,750 for a single-family home — but only for veterans with partial entitlement. District of Columbia has no high-cost counties, so the baseline applies statewide.

With full VA entitlement, there is no loan limit in District of Columbia — eligible veterans buy at any price a lender approves with $0 down and no monthly mortgage insurance.

District of Columbia's median home price is roughly $635,000. With $0 down and no PMI, an example VA payment near that price is about $4,412/month including the financed funding fee, taxes, and insurance.

Using your VA benefit in District of Columbia

The VA home-loan benefit lets eligible District of Columbia veterans, active-duty service members, and surviving spouses buy with no down payment, no monthly mortgage insurance, and competitive rates. The county limits above only matter if your entitlement is reduced — otherwise there is no cap.

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Frequently Asked Questions

What is the VA loan limit in District of Columbia for 2026?: With full entitlement, none. For partial entitlement, most District of Columbia counties use the $832,750 conforming baseline; high-cost counties go up to $1,249,125.
Do VA loans in District of Columbia require a down payment or PMI?: No. Eligible borrowers can buy with $0 down, and VA loans never charge monthly mortgage insurance.