VA Loan Limits in Pennsylvania (2026)
For 2026, the VA county loan limit for most Pennsylvania counties is $832,750 for a single-family home — but only for veterans with partial entitlement. Pennsylvania has no high-cost counties, so the baseline applies statewide.
With full VA entitlement, there is no loan limit in Pennsylvania — eligible veterans buy at any price a lender approves with $0 down and no monthly mortgage insurance.
VA loan limits by county in Pennsylvania
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Philadelphia County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Allegheny County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Montgomery County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Bucks County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Delaware County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Chester County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Lancaster County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| York County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Berks County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Lehigh County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Westmoreland County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Luzerne County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Northampton County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Dauphin County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Cumberland County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Erie County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Lackawanna County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Washington County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Butler County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Monroe County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Beaver County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Centre County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Franklin County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Schuylkill County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Lebanon County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Cambria County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Fayette County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Blair County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Northumberland County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Lycoming County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
Pennsylvania's median home price is roughly $260,000. With $0 down and no PMI, an example VA payment near that price is about $2,075/month including the financed funding fee, taxes, and insurance.
Using your VA benefit in Pennsylvania
The VA home-loan benefit lets eligible Pennsylvania 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 Pennsylvania for 2026?
- With full entitlement, none. For partial entitlement, most Pennsylvania counties use the $832,750 conforming baseline; high-cost counties go up to $1,249,125.
- Do VA loans in Pennsylvania require a down payment or PMI?
- No. Eligible borrowers can buy with $0 down, and VA loans never charge monthly mortgage insurance.