VA home loans in New Jersey and New York
If you have full VA entitlement, there is no VA loan limit, so you can borrow above the county limit with no down payment if the lender approves you. If you have used part of your entitlement on a loan you still have, the county conforming limit affects how much you can borrow with no money down.
Before you apply
- Get your Certificate of Eligibility (COE). Your lender can usually request it for you.
- Ask about the VA funding fee. Some borrowers are exempt, for example many with a service connected disability.
- A condo must be on the VA approved list. Ask the lender to check before you sign a contract.
Questions people ask
- Is there a VA loan limit in New York City?
- Not for borrowers with full entitlement. With partial entitlement, the county conforming limit, $1,209,750 in the five boroughs in 2026, is used in the calculation.
- Can I use a VA loan for a co-op?
- It is uncommon. Ask the lender and the co-op early.
Official sources
Facts checked 2026-11-01. General information, not financial, legal or tax advice. We are not a lender.