VA Loan Limits in Indiana (2026)
For 2026, the VA county loan limit for most Indiana counties is $832,750 for a single-family home — but only for veterans with partial entitlement. Indiana has no high-cost counties, so the baseline applies statewide.
With full VA entitlement, there is no loan limit in Indiana — eligible veterans buy at any price a lender approves with $0 down and no monthly mortgage insurance.
VA loan limits by county in Indiana
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Marion County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Lake County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Allen County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Hamilton County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| St. Joseph County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Elkhart County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Tippecanoe County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Vanderburgh County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Porter County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Hendricks County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Johnson County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Madison County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Clark County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Delaware County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Monroe County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Vigo County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| LaPorte County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Howard County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Hancock County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Bartholomew County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Warrick County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Boone County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Morgan County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Wayne County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Floyd County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Marshall County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Kosciusko County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Dearborn County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
Indiana's median home price is roughly $245,000. With $0 down and no PMI, an example VA payment near that price is about $1,829/month including the financed funding fee, taxes, and insurance.
Using your VA benefit in Indiana
The VA home-loan benefit lets eligible Indiana 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 Indiana for 2026?
- With full entitlement, none. For partial entitlement, most Indiana counties use the $832,750 conforming baseline; high-cost counties go up to $1,249,125.
- Do VA loans in Indiana require a down payment or PMI?
- No. Eligible borrowers can buy with $0 down, and VA loans never charge monthly mortgage insurance.