VA Loan Limits in Westchester County, New York (2026)
For 2026, the VA loan limit in Westchester County is $1,249,125 for a single-family home — the cap that applies to veterans with partial entitlement. Westchester County is a designated high-cost area.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $1,249,125 |
| Two-unit (duplex) | $1,599,225 |
| Three-unit (triplex) | $1,933,200 |
| Four-unit (fourplex) | $2,402,475 |
VA affordability around Westchester County
A VA buyer near Westchester County can put $0 down on a $720,000 home. Add the one-time funding fee (~$15,480, financed), skip mortgage insurance entirely, and the monthly cost runs about $5,677 at 6.25%.
$0-down VA payment scenarios in Westchester County
Here is how a $0-down VA payment scales across Westchester County price points (funding fee financed, no PMI, sample 6.25% rate):
| Purchase Price | Down | Est. Monthly Payment |
|---|---|---|
| Entry-level — $518,000 | $0 | $4,117 |
| Local median — $720,000 | $0 | $5,677 |
| Higher-end — $972,000 | $0 | $7,623 |
Estimates include the financed funding fee plus New York property taxes and insurance — but no monthly mortgage insurance, because VA loans never charge it. Rates move daily near Westchester County too — get alerts.
VA multi-unit limits in Westchester County
VA also finances 2-4 unit homes in Westchester County with $0 down if you live in one unit — $1,599,225 for a duplex, $1,933,200 for a triplex, and $2,402,475 for a fourplex (partial-entitlement caps). Rent from the other units can help you qualify.
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Frequently Asked Questions
- What is the VA loan limit in Westchester County for 2026?
- For veterans with partial entitlement, the 2026 VA limit in Westchester County is $1,249,125 (one unit), $1,599,225 (duplex), $1,933,200 (triplex), and $2,402,475 (fourplex). With full entitlement there is no limit.
- Do I really need $0 down to buy in Westchester County?
- Eligible veterans can buy with no down payment at all. On a median $720,000 Westchester County home that is $0 down, with a one-time funding fee of about $15,480 that is usually financed into the loan.
- Does a VA loan have monthly mortgage insurance in Westchester County?
- No. VA loans never charge monthly mortgage insurance (PMI/MIP) — one of the biggest reasons a VA loan is cheaper than FHA or low-down conventional financing.
- Is Westchester County a high-cost VA county?
- Yes — Westchester County's partial-entitlement limit of $1,249,125 is above the $832,750 national baseline.