February 4, 2026
9 minutes
You’ve spotted your dream home-4 bedrooms, ocean view, priced at $1.2 million. You’ve earned VA loan benefits through years of service. But then, a lender says you’re over the “VA loan limit.”
Sounds familiar?
Don’t worry-you’re not alone. Many veterans believe their dream home is out of reach due to outdated information on VA loan caps. But here’s the truth: with a VA jumbo loan, you can still secure that home, possibly with zero down payment.
Let’s break down how VA jumbo loans work in 2025.
Key Takeaways:
- VA jumbo loans allow veterans to purchase homes exceeding standard conforming loan limits.
- There are no official VA loan limits in 2025, but lenders set their caps.
- Down payments may not be required depending on entitlement and lender policy.
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Save up to 1.5% at closing when you combine real estate and mortgage services with reAlpha.
The 2025 Reality Check: VA Loan Limits Aren’t What You Think
Here’s the deal: VA loan limits were eliminated for most eligible borrowers in 2020 thanks to the Blue Water Navy Vietnam Veterans Act. However, that doesn’t mean lenders don’t have their criteria.
In 2025, conforming loan limits are $766,550 in most counties (FHFA). Anything above that is considered a “jumbo loan.” But VA loans are different.
If you have full VA entitlement</strong>, there’s technically no limit to what you can borrow with a VA loan-as long as you qualify with your lender’s guidelines.
Key Factors Lenders Consider:
- Credit Score: Usually 620+, but varies by lender
- Residual Income: Your income after debts and housing costs
- DTI (Debt-to-Income Ratio): Lenders often prefer below 41%
- Entitlement Use: Full vs. partial entitlement impacts down payment
Pro Tip: Even with partial entitlement, you may still qualify-with a small down payment.
VA Jumbo Loan Questions-Answered Fast
What’s the current VA jumbo loan limit in my state?
There isn’t one-lenders set their jumbo thresholds. But generally, anything over $766,550 is considered jumbo in 2025.
Do I need a down payment for a VA jumbo loan?
If you have full entitlement-you may not. With partial entitlement, a small down payment might be required.
How does credit score affect approval?
Higher scores help. Many lenders look for 660+ for VA jumbo approvals.
Why do some lenders reject VA jumbo applications?
They may be unfamiliar with VA jumbo loan processes-or hesitant about high-value loans.
Can I refinance a VA jumbo loan later?
Absolutely. VA IRRRL (streamline refinance) or VA cash-out options can help you restructure later.
Commission-Free Wealth: What If You Could Invest Without the Fees?
reAlpha is a real estate investment platform built for modern buyers-especially veterans. It lets you buy property without paying buyer agent commissions.
Think about it:
You use your VA jumbo loan to buy a $1.3M vacation rental in Hawaii. You save up to $39,000 in agent commissions because reAlpha doesn’t charge any. That’s money in your pocket.
Veteran-focused, commission-free, and tech-powered
Ready to explore? Check out reAlpha and see how you can build long-term equity-without middlemen.
Veterans Can Save Up to 1.5% at Closing with reAlpha
Save up to 1.5% on your purchase price by using reAlpha Realty and Mortgage together
VA Jumbo vs. Conventional vs. FHA: What’s Best for You?
| Loan Type | Max Amount | Down Payment | Best For | Commission Model |
|---|---|---|---|---|
| VA Jumbo | $1.5M+ | Often $0–10% | Veterans | 0% (reAlpha) |
| Conventional | $766K max | 5%+ | General buyers | 3–6% |
| FHA | $498K max | 3.5%+ | First-time buyers | 3–6% |
The Home (and Portfolio) You Deserve
Your home is more than shelter-it’s the battlefield of your financial future. VA jumbo loans allow you to command high-value real estate without the fees and friction others face.
With expert guidance from reAlpha Mortgage and innovative investing tools from reAlpha, the path to long-term wealth is clearer than ever.
You served with courage-now it’s time to build boldly.
FAQs
What is the max VA jumbo loan amount in 2025?
There’s no set VA cap. It depends on your entitlement and lender policy. Some offer up to $2M+.
How hard is it to get a VA jumbo loan?
With the right lender and credit profile, it’s easier than you think. Choose one that understands VA jumbo.
Can you use a VA jumbo loan for a second home?
No-VA loans must be for primary residences.
How do VA jumbo loan rates compare?
They’re often lower than conventional jumbo rates, especially with full entitlement.
Are there closing costs with a VA jumbo loan?
Yes, but they may be covered by seller credits or rolled into the loan.
Final Thought: Your Next Step Starts Now
You’ve got VA benefits. You’ve got options.
Now it’s time to put them to work.
Explore VA jumbo financing with reAlpha Mortgage Start investing, saving thousands, with reAlpha
Compliance Disclosures
- reAlpha Mortgage is a licensed mortgage lender, NMLS ID #1743790.
- reAlpha operates as a real estate platform offering commission-free buying options and does not engage in mortgage origination.
- VA loan eligibility and loan amounts are determined by individual entitlement and lender requirements.
- Loan terms, interest rates, and down payment requirements are subject to lender approval and may vary.
- This blog is for educational purposes only and does not constitute financial advice or a loan offer.
- Rates referenced are examples only and are subject to change based on market conditions. Always confirm with a licensed lender.
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Article by
Rocky Billore is a mortgage industry leader and Chief Sales Officer with over two decades of experience across residential and commercial lending. Since entering the industry in 2004, he has been directly involved in funding more than $1.4 billion in loans. A recognized expert in VA and government lending, Rocky combines deep program knowledge with a data driven, relationship-first leadership style. His work focuses on building scalable sales organizations, developing high performing teams, and aligning technology with real world lending outcomes to improve the homeownership experience.