VA Loan Limits in Oregon (2026)
For 2026, the VA county loan limit for most Oregon counties is $832,750 for a single-family home — but only for veterans with partial entitlement. Oregon has no high-cost counties, so the baseline applies statewide.
With full VA entitlement, there is no loan limit in Oregon — eligible veterans buy at any price a lender approves with $0 down and no monthly mortgage insurance.
VA loan limits by county in Oregon
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Multnomah County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Washington County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Clackamas County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Lane County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Marion County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Linn County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Douglas County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Yamhill County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Benton County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Polk County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Josephine County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Klamath County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Columbia County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Umatilla County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Coos County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Clatsop County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Lincoln County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Wasco County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Jackson County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Deschutes County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
Oregon's median home price is roughly $500,000. With $0 down and no PMI, an example VA payment near that price is about $3,649/month including the financed funding fee, taxes, and insurance.
Using your VA benefit in Oregon
The VA home-loan benefit lets eligible Oregon 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 Oregon for 2026?
- With full entitlement, none. For partial entitlement, most Oregon counties use the $832,750 conforming baseline; high-cost counties go up to $1,249,125.
- Do VA loans in Oregon require a down payment or PMI?
- No. Eligible borrowers can buy with $0 down, and VA loans never charge monthly mortgage insurance.