The 2026 conforming loan limit in Arlington County, VA is $1,249,125, against a national baseline of $832,750. If you have full VA entitlement, that number does not cap what you can borrow: VA loan limits were removed for full-entitlement borrowers on 1 January 2020. It matters when part of your entitlement is already tied up in another VA loan, and the arithmetic below is what it does to a no-down-payment purchase here.
Rates last verified August 2026 against the published source tables.
VA loan limits were removed for full-entitlement borrowers on 1 January 2020 by the Blue Water Navy Vietnam Veterans Act of 2019. If none of your entitlement is in use, what you can borrow in Arlington County, VA with no down payment is whatever a lender will approve, and the $1,249,125 conforming limit does not cap it.
The county figure starts to matter when part of your entitlement is tied up in a VA loan you still hold. Then it sets the pool: the VA guarantees 25% of the county limit — $312,281.25 here — and what is left after the first loan decides the second.
Take a borrower whose first VA loan charged $208,187.50 of entitlement — 25% of the national baseline, which is what a first loan at $832,750 itself charges. Entitlement is charged at 25% of the loan amount, so a smaller first loan leaves more than this. Against Arlington County, VA's pool of $312,281.25 that leaves $104,093.75 of guaranty.
Four times the remaining guaranty is $416,375 — the largest second loan available here with no down payment, because the VA guarantees a quarter. Above it a lender asks for the shortfall in the guaranty as a down payment rather than refusing the loan.
There is no VA loan limit for a borrower with full entitlement. Arlington County, VA's conforming limit is $1,249,125 for 2026, and that figure sets the guaranty pool — 25% of it, or $312,281.25 — only for a borrower whose entitlement is partly used.
If a first VA loan charged $208,187.50 of entitlement — 25% of the national baseline — $104,093.75 of guaranty is left in Arlington County, VA, and four times that is $416,375. Above it a lender asks for the shortfall in the guaranty as a down payment. The VA loan and entitlement calculator does this for your own figures.
FHFA sets a higher limit where local median house prices are high enough, up to 150% of the baseline. Arlington County, VA is at 1.50x the baseline for 2026; 3,075 of the 3,235 counties carry the baseline itself, which is why this site publishes a page for this county and not for those.