Great news for Kansas City Veterans: The 2026 conforming loan limits have increased, expanding your ability to purchase a home with no down payment.
If you are planning to buy a home in the Kansas City metro area, understanding VA loan limits is essential. For most Veterans, the term “limit” is actually a misnomer. Thanks to the Blue Water Navy Vietnam Veterans Act of 2019, Veterans with full entitlement no longer face a statutory loan limit on the VA Home Loan benefit.
However, limits still play a crucial role for those with remaining entitlement or those looking to avoid a down payment on high-value properties.
What are the 2026 VA Loan Limits for Kansas City?
The Federal Housing Finance Agency (FHFA) has increased the baseline conforming loan limit for 2026. In the Kansas City area—including Johnson, Wyandotte, Jackson, and Clay counties—the limits are as follows:
| Property Type | 2025 Limit | 2026 Limit |
|---|---|---|
| Single-Family Home (1 Unit) | $806,500 | $832,750 |
| Duplex (2 Units) | $1,032,650 | $1,066,250 |
| Triplex (3 Units) | $1,248,150 | $1,288,800 |
| Fourplex (4 Units) | $1,551,250 | $1,601,750 |
Note: Kansas City is currently classified as a “Standard Cost” area. There are no “High-Cost” counties in Kansas or Missouri that exceed these baseline limits.
Full Entitlement vs. Partial Entitlement
The 2026 limits affect you differently depending on your VA Loan Entitlement status:
1. Full Entitlement
If you have never used your VA loan benefit, or if you have fully restored it by selling a previous home and paying off the loan, there is no loan limit. You can borrow as much as Metropolitan Mortgage is willing to lend (even up to $2 million or more) with **$0 down**, provided you meet credit and income requirements.
2. Partial (Remaining) Entitlement
If you currently have an active VA loan and want to purchase another home without selling the first one, the 2026 limit of $832,750 is used to calculate your “bonus entitlement.” This determines how much you can borrow on your second home before a down payment is required. You can check your available entitlement by obtaining your Certificate of Eligibility (COE).
Going Beyond the Limit: VA Jumbo Loans
For high-value homes in neighborhoods like Mission Hills or Leawood, you may need a loan that exceeds the standard $832,750. These are referred to as VA Jumbo Loans. While these loans follow the same basic rules as the standard VA loan, lenders may have stricter credit score or cash reserve requirements for these higher amounts.
Frequently Asked Questions
Do I need a down payment if my loan is over $832,750?
If you have full entitlement, no. You can still get 100% financing. If you have partial entitlement, you may need to pay 25% of the difference between your available entitlement and the purchase price.
Does the VA Funding Fee change with the new limits?
No, the VA Funding Fee percentages remain the same for 2026, though the total dollar amount will be higher if your loan amount increases.