Before 2020
Then
County caps
VA loans once followed county loan-limit caps like other programs.
Pre-2020 ruleClark County · Nevada · 2026 · VA
2026 VA
loan limit
With full VA entitlement there’s no loan limit in Clark County — buy at any price you qualify for, with $0 down.
4.9★ rated 5,200+ Las Vegas families NMLS #65506
Quick answer
For 2026, Veterans with full VA entitlement have no loan limit in Clark County — buy at any price with $0 down, subject to qualifying. Limits apply only with partial entitlement, where the county figure is the $832,750 conforming baseline. Updated June 2026.
Check VA eligibilityValley West Mortgage · direct local Las Vegas lender · NMLS #65506 · Equal Housing Lender · Updated June 25, 2026
No cap, full entitlementBuy at any qualifying price.
$0 downNo down payment for eligible Veterans.
No monthly PMIVA loans never carry it.
$832,750 partial refApplies only to partial entitlement.
Full entitlement
No loan limit. $0 down.
For 2026, a Veteran with full entitlement has no VA loan limit in Clark County. The bar doesn’t stop — buy at any price your income and credit support, with $0 down and no monthly mortgage insurance. This applies to eligible Veterans, active-duty service members, National Guard and Reserve members, and qualifying surviving spouses with a valid Certificate of Eligibility.
$0 down · no limit
Limits only return with partial entitlement, where the county figure is the $832,750 conforming baseline.
$0$500k$1M$2M∞
Still seeing $806,500?
That’s the 2025 figure. For 2026, full VA entitlement has no cap — the old county number doesn’t apply to Veterans with full entitlement.
Where you land
Slide to any price — the VA bar doesn’t stop
With full entitlement there’s no ceiling. Drag the handle as high as your budget goes — VA buying power follows, $0 down.
Full vs partial
Full vs partial entitlement
Full entitlement means you’ve never used your VA loan, or you’ve sold and restored it. With it, there is no loan limit in 2026 — finance any price you qualify for with $0 down. See how to confirm your VA entitlement status before you apply.
Partial entitlement applies if you currently have another VA loan or had a past VA foreclosure. Then a county figure — the $832,750 Clark County baseline (the 2026 FHFA conforming limit per FHFA) — caps the zero-down amount, and a down payment may cover the difference above it. Check today’s VA rates to see what fits your budget.
A quick Clark County example. Say you already have a $250,000 VA loan open on a rental and you want to buy a $700,000 home in Summerlin. With partial entitlement, the math uses the $832,750 baseline minus your guaranty already in use — so a modest down payment (roughly 25% of the gap above your remaining entitlement) may be required, while a full-entitlement buyer would put $0 down on that same Summerlin home. The cleanest fix is usually to restore full entitlement before you shop, which removes the figure entirely. Every file is different — we’ll run your exact numbers in a no-obligation review.
Why there’s no cap
Six things behind the 2026 VA “no limit”
How full entitlement removed the ceiling — and where $832,750 still applies.
Blue Water Act
2020
Cap removed
Congress removed VA county loan limits for full entitlement.
Federal lawToday
Now
No limit
Full-entitlement Veterans can finance any amount they qualify for.
Full entitlementNo money down
Down
$0
No down payment and no monthly mortgage insurance, at any price.
Any pricePartial entitlement
Exception
$832,750
Only partial entitlement uses the county conforming reference.
Partial onlyVA guaranty
Backed
Your benefit
The VA guaranty — not a loan limit — defines your benefit.
Backed by VAAt any price
$0 down — even above $832,750
With full entitlement the down payment doesn’t change as the price rises. Here’s what that actually means.
What $0 down really means
VA requires no down payment with full entitlement and no monthly mortgage insurance — ever. The one-time VA funding fee is 2.15% of the loan amount for first-time use (less than 5% down) and 3.3% for subsequent use — and it can be financed into the loan. The fee is waived entirely for Veterans receiving compensation for a service-connected disability. (Source: VA.gov 2026 funding fee schedule.)
That’s the structural edge: the same $0 down on a $500,000 home or a $900,000 one, as long as your income and credit support the payment. See today’s VA rates in Las Vegas to run your real numbers.
Down payment · full entitlement
$0
on any price your income and credit support
Monthly mortgage insurance$0 — never
VA funding feefinanced · may be waived
Loan limit, full entitlementnone
Funding fee waived for Veterans with a service-connected disability. Not a commitment to lend. Subject to credit approval and VA eligibility. NMLS #65506.
Across the valley
$0 down, valley-wide
From Las Vegas to Henderson to homes near Nellis AFB, full entitlement carries the same rule: no limit, $0 down.
Las Vegas
No cap
$478kMedian price
2.9 moSupply
From Centennial Hills to the southwest and Summerlin, buy anywhere in the core valley with $0 down — full entitlement sets no ceiling.
Balanced market — real room to negotiate
Henderson
No cap
$540kMedian price
2.6 moSupply
Green Valley, Anthem, Inspirada and Lake Las Vegas push well past the conforming floor — and VA buying power has no upper limit on any of them.
Premium pockets push past the floor
Near Nellis AFB
No cap
$455kMedian price
2.8 moSupply
Sunrise Manor, North Las Vegas and the Aliante area near the base get no special limit — Clark County rules apply, $0 down with full entitlement. See our Nellis AFB home-buying guide for PCS-timed steps.
Clark County rules — $0 down with VA
Compare the programs
FHA, conventional & VA, side by side
Three programs, three limits — compare them, then open any program’s 2026 limit page.
FHA loan
FHA
$541,287
Single-family FHA floor for Clark County. 3.5% down, FICO 580+.
FHA detailsConventional
Conventional
$832,750
The FHFA conforming baseline. Above it, the loan is jumbo.
Conforming detailsVA loan
VA
No cap
Full entitlement has no limit. $0 down for eligible Veterans.
VA details
Disclosures
This is an advertisement and not a commitment to lend. VA loan benefits require eligibility and a valid Certificate of Eligibility. With full entitlement there is no VA loan limit for 2026; the $832,750 figure is the Clark County conforming reference used for partial entitlement. The VA funding fee is waived for Veterans receiving compensation for a service-connected disability. Valley West Mortgage is not affiliated with, endorsed by, or sponsored by the U.S. Department of Veterans Affairs (VA) or any government agency. The VA does not endorse any particular lender, product, or service. All loans subject to borrower and property qualification, underwriting, and credit approval. Estimates are not a rate quote or commitment to lend. Equal Housing Lender · NMLS #65506 · verify licensing at nmlsconsumeraccess.org.
Frequently asked
VA loan limits, answered.
Do VA loans have a maximum in 2026?
No. For 2026, Veterans with full entitlement have no VA loan limit in Clark County — you can buy at any price you qualify for with $0 down. Limits only apply with partial entitlement.
What if I’ve used my VA loan before?
If you have partial entitlement — a prior VA loan still open, or a past default — a county figure applies: the $832,750 conforming baseline for Clark County in 2026. Restoring full entitlement removes the cap again.
Can I buy above $832,750 with a VA loan?
Yes, with full entitlement. There is no upper VA limit in 2026 — qualified buyers can finance above $832,750 with $0 down, subject to income, credit, and the appraisal. With partial entitlement, $832,750 is the reference figure.
Is there a special VA limit near Nellis AFB?
No. Homes near Nellis Air Force Base fall under Clark County rules — no VA loan limit with full entitlement, and the $832,750 reference with partial entitlement.
Is a VA loan above $832,750 a “jumbo” loan in Las Vegas?
Not the way conventional financing works. A conventional loan above the $832,750 Clark County conforming baseline becomes a jumbo loan with stricter terms and a larger down payment. A full-entitlement VA loan has no such break point — there is no separate “VA jumbo” tier for 2026, so you can finance a $900,000 Summerlin or Henderson home with $0 down, subject to qualifying. Rate and approval still depend on your income, credit, and the appraisal. See today’s VA rates.
What is the VA funding fee in 2026?
For 2026, the VA funding fee is 2.15% of the loan amount for first-time use with less than 5% down, and 3.3% for subsequent use. The fee is waived entirely for Veterans receiving compensation for a service-connected disability. It can be financed into the loan so there is no out-of-pocket cost at closing. (Source: VA.gov.)
How do I restore full VA entitlement after using a VA loan?
Full entitlement is restored when you sell the home and pay off the VA loan in full, or when another eligible Veteran assumes your loan and substitutes their entitlement. Once restored, there is no VA loan limit in Clark County — you can buy at any qualifying price with $0 down. Contact Valley West Mortgage at (702) 696-9900 or read our VA eligibility prep guide to confirm your entitlement status.
From the families we serve
Read what veterans say.
★★★★★
They actually shopped my file. Three lenders, one application — and beat my bank by a quarter point.
Marcus T. · Army · Henderson
★★★★★
$0 down and no PMI made our first home possible years sooner than we thought. Closed in 28 days.
Jessica & Ray K. · Air Force
★★★★★
The IRRRL was almost effortless — no appraisal, barely any paperwork, and my payment dropped right away.
Daniel R. · Marine Corps
★★★★★
Every number was explained clearly. No surprises at closing — exactly what they told us up front.
Priya H. · Navy · Las Vegas
★★★★★
A real local team that picked up the phone every time. Felt like they were on our side the whole way.
Carlos G. · Army · Enterprise
★★★★★
Used my benefit with zero out of pocket. They handled the COE and the whole file. Five stars.
Tasha W. · Air Force · Spring Valley
★★★★★
They beat my bank’s quote with a rate I couldn't find anywhere — smooth, fast, and honest the whole way.
Marcus T. · Henderson, NV
★★★★★
Closed in under a month. Every question answered by a real local person, never a call center.
Dana R. · Las Vegas, NV
★★★★★
No surprise fees, no pressure. They explained every number until it actually made sense to us.
Priya & Sam · North Las Vegas
Customer experiences may vary. Reviews do not guarantee loan approval, rates, terms, or outcomes.
Your eligibility is
waiting to be used.
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