VA Loan Limits in Minnesota (2026)
For 2026, the VA county loan limit for most Minnesota counties is $832,750 for a single-family home — but only for veterans with partial entitlement. Minnesota has no high-cost counties, so the baseline applies statewide.
With full VA entitlement, there is no loan limit in Minnesota — eligible veterans buy at any price a lender approves with $0 down and no monthly mortgage insurance.
VA loan limits by county in Minnesota
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Hennepin County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Ramsey County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Dakota County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Anoka County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Washington County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Stearns County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| St. Louis County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Olmsted County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Scott County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Wright County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Carver County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Sherburne County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Rice County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Blue Earth County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Crow Wing County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Clay County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Chisago County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Otter Tail County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Carlton County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Goodhue County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Itasca County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Kandiyohi County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Isanti County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Winona County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Mower County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
Minnesota's median home price is roughly $345,000. With $0 down and no PMI, an example VA payment near that price is about $2,606/month including the financed funding fee, taxes, and insurance.
Using your VA benefit in Minnesota
The VA home-loan benefit lets eligible Minnesota 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.
Protect Your VA Benefit
We track the VA so you can move at the right moment — free, no pressure.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the VA loan limit in Minnesota for 2026?
- With full entitlement, none. For partial entitlement, most Minnesota counties use the $832,750 conforming baseline; high-cost counties go up to $1,249,125.
- Do VA loans in Minnesota require a down payment or PMI?
- No. Eligible borrowers can buy with $0 down, and VA loans never charge monthly mortgage insurance.