VA Loan Limits in Indiana for 2026

“What’s the VA loan limit?” is one of the most common questions I get from Veterans, and the honest answer is that most buyers don’t have one. The limit only comes into play when part of your VA benefit is still tied up in another loan. Here’s how it works in Indiana for 2026, with the math laid out step by step.

What is the VA loan limit in Indiana for 2026?

The 2026 VA county loan limit is $832,750 in every Indiana county. The VA uses the same county limits as Fannie Mae and Freddie Mac, which the Federal Housing Finance Agency sets each year. For 2026, the FHFA raised the baseline limit to $832,750, an increase of $26,250 from 2025, and no Indiana county has a higher limit. See the FHFA’s 2026 announcement for the national figures.

Do VA loan limits apply to me?

Only if you have reduced entitlement. The VA stopped applying loan limits to borrowers with full entitlement in 2020, so most Veterans have no VA cap on the loan amount.

You have full entitlement if you:

• Have never used your VA home loan benefit
• Used it, paid the loan in full, and sold the home
• Have had your entitlement restored after a past VA loan

With full entitlement, your lender decides how much you can borrow based on your income, debts, credit, and the appraised value. You have reduced entitlement if you still have an active VA loan, sold a home to a buyer who assumed your VA loan without substituting their own entitlement, or had a past VA loan end in foreclosure or a short sale.

How does the county limit affect how much I can borrow?

With reduced entitlement, the county limit is used to calculate how much of your benefit is left. The VA’s formula is: 25% of the county loan limit, minus the entitlement you’ve already used. Lenders generally want your entitlement, down payment, or a combination of both to cover at least 25% of the loan amount. Your remaining entitlement, multiplied by four, is the largest loan it can cover on its own.

Here’s an example. Say you bought a home with a $250,000 VA loan, you’re keeping it as a rental, and you want to buy a new primary home in Indiana in 2026:

Step	Amount
2026 county loan limit (every Indiana county)	$832,750
25% of the county limit	$208,187.50
Entitlement used on your current VA loan (25% of $250,000)	$62,500
Remaining entitlement	$145,687.50
Largest loan your remaining entitlement covers (remaining entitlement x 4)	$582,750

In this example, your remaining entitlement covers a loan up to $582,750 on its own. For a larger loan, the lender will ask you to make up the difference in the 25% coverage. Your exact numbers depend on the entitlement shown on your Certificate of Eligibility, and I run them for you before you start shopping.

Can I have two VA loans at the same time?

Yes, as long as you have enough remaining entitlement. This is common for Veterans who move for a new job or a PCS and keep their first home as a rental. The example above is exactly that situation. For more on using the benefit again, see my guide to using your VA loan a second or third time.

Where can I check my entitlement?

Your Certificate of Eligibility shows your entitlement and any amount currently charged to an active loan. I can pull it for you at no cost. Here’s how the VA Certificate of Eligibility works, and the VA’s loan limit page walks through the same formula. For a full picture of the program, see my guide to VA home loans.

VA Loan Limit FAQs

What is the VA loan limit in Indiana for 2026?

Veterans with full entitlement have no VA loan limit. For Veterans with part of their entitlement in use, the 2026 county loan limit in every Indiana county is $832,750, the same as the national baseline conforming loan limit.

Do VA loan limits apply if I’ve never used my VA benefit?

No. If you’ve never used your benefit, or you used it, paid the loan off, and sold the home, you have full entitlement. The VA sets no loan limit for you, and your lender decides how much you can borrow based on income, credit, and the appraisal.

Can I have two VA loans at the same time in Indiana?

Yes, if you have enough remaining entitlement. The county loan limit is used to calculate how much of your benefit is left, which determines how large a second loan your entitlement can cover.

When will the 2027 VA loan limits be announced?

The VA follows the conforming loan limits set by the Federal Housing Finance Agency, which usually announces the next year’s limits in late November. We’ll update this post when the 2027 limits are released.

Get your numbers before you shop

If you have an active VA loan or a past one that didn’t end cleanly, the math above decides your price range. Call 219-695-0369, text 219-758-8072, or apply online, and I’ll pull your COE and run your remaining entitlement.

Updated September 2026 with 2026 loan limits from FHFA and VA.gov.