VA Loan Limits per County in 2025: How Much You Can Borrow in Kent County

For veterans and active-duty service members in Michigan, understanding VA loan limits 2025 is key to making confident homebuying decisions. With home prices steadily rising across Kent County, it’s important to know how much you can borrow using your VA benefits — and what’s changed for 2025.

Unlike other loan programs, VA loans offer incredible flexibility. While the va loan limits have evolved over time, they remain one of the most powerful tools for affordable homeownership in America. Let’s break down what the limits mean, how they’re applied per county, and how much you can expect to borrow in Kent County this year.

What Are VA Loan Limits?

VA loan limits refer to the maximum amount the Department of Veterans Affairs will guarantee on a home loan. However, since 2020, many qualified veterans no longer face a cap on how much they can borrow — as long as they have full entitlement.

This means that eligible veterans can buy homes at any price without worrying about maximum VA loan limits, provided they meet the lender’s income, credit, and appraisal standards. For those with partial entitlement (for example, still having another VA-backed loan outstanding), limits still apply and vary by county.

Understanding this distinction is crucial when planning your home purchase in Kent County.

VA Loan Limits 2025 Overview

For 2025, the 2025 VA loan limits align with the Federal Housing Finance Agency’s (FHFA) conforming loan limits. This means that in most counties — including Kent County — the VA loan limit is $750,000 for borrowers with partial entitlement.

If you have full entitlement, there is effectively no loan limit. You can borrow any amount your lender approves based on your credit, income, and debt-to-income ratio, without a required down payment.

However, if you have used part of your VA benefits elsewhere, the loan limit helps determine how much the VA will guarantee on your new mortgage.

VA Loan Limits by County

While VA loans are federally backed, limits are determined at the county level to reflect local housing prices. The va loan limits per county mirror Fannie Mae and Freddie Mac’s conforming loan limits.

Here’s a quick look at Michigan’s general breakdown for 2025:

• Most Michigan Counties (including Kent County): $750,000
  
  
• High-cost areas (nationwide): Up to $1,125,000
  
  

This ensures that veterans in more expensive housing markets still have access to sufficient borrowing power.

For va loan limits in Kent, homebuyers can rest assured that most local home prices fall comfortably within the new limits. According to the latest regional housing data, the median home price in Kent County is about $340,000, meaning most VA-qualified borrowers can buy with zero down.

How VA Loan Limits Affect Kent County Buyers

If you’re a veteran buying in Kent County with full entitlement, there’s no limit to your borrowing potential — only what your lender approves based on your finances.

But if you’ve previously used your VA benefits and haven’t restored your entitlement, the va loan limits by county determine how much you can borrow without a down payment. For example:

• The VA guarantees 25% of the loan up to the county limit.
  
  
• If your home price exceeds that limit, you may need a small down payment for the portion above it.

This structure helps keep VA loans flexible yet fair for repeat borrowers.

Why the 2025 Update Matters

The va loan limits 2024 were based on lower conforming loan thresholds. With 2025’s increase, veterans can now borrow more before crossing into non-conforming or jumbo loan territory.

This means:

• Easier access to larger homes without added costs.
  
  
• More competitive loan options for growing families.
  
  
• Reduced need for down payments in higher-priced markets.

For Kent County, this small but meaningful change gives veterans more purchasing power while keeping monthly payments affordable.

VA Loan Benefits Beyond Limits

Whether or not you’re affected by the maximum VA loan limits, the VA home loan program remains one of the most borrower-friendly in the country. Key advantages include:

• No down payment required (with full entitlement)
  
  
• No private mortgage insurance (PMI)
  
  
• Flexible credit and income standards
  
  
• Competitive interest rates
  
  
• Streamlined refinance options through the VA IRRRL program

These benefits make VA loans a top choice for both first-time and experienced homebuyers in Kent County.

How Midwest Mortgage Supports VA Borrowers

At Midwest Mortgage, we proudly help veterans and service members throughout Michigan secure the best financing options available. Our team understands the details of VA lending, from entitlement calculations to county-based limits.

We assist with:

• VA loan prequalification and entitlement verification
  
  
• Loan limit analysis for your specific county
  
  
• Competitive rate comparison and approval guidance
  
  
• Refinance and home equity options using VA benefits

Our goal is to ensure every veteran can take full advantage of their benefits while finding the ideal home in Kent County.

FAQs About VA Loan Limits

1. Does VA have a limit?

For veterans with full entitlement, there is no VA loan limit in 2025. Limits only apply to borrowers with partial entitlement.

2. What is the maximum loan term on a VA loan?

The maximum loan term is typically 30 years, though some lenders may offer shorter terms or adjustable-rate options.

3. What is the max VA loan limit?

For 2025, the maximum VA loan limit for counties like Kent is $750,000 for partial entitlement borrowers.

4. How much interest is in a VA loan?

VA loan interest rates vary by lender and market, but they’re generally 0.25% to 0.5% lower than conventional loan rates, offering long-term savings for veterans.

Final Thoughts

For veterans in Kent County, the va loan limits 2025 bring positive news. With higher thresholds and flexible entitlement options, you can borrow more while enjoying the unmatched benefits of a VA-backed mortgage.

Whether you’re purchasing your first home or refinancing an existing one, Midwest Mortgage is here to guide you every step of the way. Our dedicated VA loan experts will help you understand your entitlement, explore your borrowing options, and secure a mortgage that honors your service — and supports your financial future.