VA loans in Huntsville.
The Madison County figure on this page is a county reference only, not an address-based lookup for Huntsville. Confirm the property's county before relying on it.
Madison County reference value. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties.
Source: FHFA Full County Loan Limit List for 2026 (HERA-based, final). One-unit limit; applies to mortgages acquired in calendar year 2026. Source checked 2026-09-16. · Madison County (FIPS 01089)
County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. Look the property's county up at FHFA.
What the county figure means here.
A borrower with full VA entitlement does not have a VA loan limit, subject to lender approval, ability to repay, and the appraised value or purchase price. The FHFA one-unit county conforming loan limit matters primarily when calculating remaining bonus entitlement for a borrower who does not have full entitlement, and it may affect whether a down payment is required.
Madison County carries a $832,750 one-unit conforming loan limit value for 2026, and that is the county figure we reference for Huntsville. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. Whichever county your property is in, the value is used in remaining-entitlement calculations — including on a 2–4 unit property — and is not a cap on what a fully-entitled buyer can finance.
Planning around BAH? Rates vary by pay grade, dependency status, and ZIP-based Military Housing Area — verify yours on the official DoD BAH calculator.
This site does not publish current rates or APRs. Your rate and terms depend on your credit profile, income and assets, the property, market conditions, lock timing, points or lender credits, underwriting, and final lender approval. Request a personalized quote from Bolt Home Loans LLC.
Estimate a payment with your own rate assumptionHuntsville inspection results are viewable online, including failed inspections and inspector comments
The City of Huntsville Inspection Department's online system lets users buy most plumbing, electrical, mechanical and gas permits, plus roofing and siding permits, and request and view inspections. According to the City, a user can look up the inspections recorded on a permit, see whether each one passed or failed, and read the inspector's comments. The City says a taxpayer ID and pass code are required to use that system.
Practical step: if a seller describes recent roofing, HVAC or electrical work, ask the seller or their contractor — who holds the permit credentials — to show you the inspection history for that permit, not only the permit itself. A failed inspection with no later pass is a question to resolve before closing. Call the department at the number on its page if a record cannot be found.
Madison County homestead: the address on your license has to match by October 1
The Madison County Tax Assessor grants a homestead exemption when the single-family home is the owner's primary residence on October 1 of the tax year, with a December 31 application deadline. It asks for a deed showing the correct address, legal description and names, and a driver's license showing the property address issued on or before October 1.
If the license address changes between October 1 and December 31, the office also asks for a homeowner's insurance policy and a service-start ("set date") letter from Huntsville Utilities. Until the license is updated, it can grant second-home status instead. Owners who are totally and permanently disabled may be exempt from ad valorem taxes with proof such as a VA benefits verification letter. Practical step: update your license address promptly after moving in.
- FHFA — Conforming loan limit values
- City of Huntsville — Online Inspection Process
- Madison County, AL Tax Assessor — Homestead Exemption Information
- VA — Home loan entitlement and limits
Sources checked 2026-09-24. Educational information only, not legal, tax or underwriting advice.
VA loan programs available in AL.
$0 down in Huntsville. No PMI.
Lower your rate. Minimal paperwork.
Up to 100% LTV — conventional caps at 80%.
$0 down above conforming.
Finance repairs into your purchase.
Roll energy upgrades into the loan.
Widows and widowers of AL veterans qualify.
Zero down, no PMI, and a 100% funding-fee waiver on a home in Huntsville, subject to eligibility verification and Certificate of Eligibility issuance.
Surviving spouse guideDisabled veteran? Stack the SAH grant on your Huntsville purchase.
Up to $126,526 in FY 2026 toward a VA-approved plan to acquire, construct, or adapt a suitable home. VA approves eligibility and use; the grant is separate from your VA home loan.
SAH grant guideVA loans in Huntsville — answered.
FHFA sets conforming loan limit values by county, not by city, and there is no single published figure for a city as such. The county we reference for Huntsville is Madison County (FIPS 01089), whose official 2026 one-unit value is $832,750 per the FHFA Full County Loan Limit List. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. The figure only matters for remaining-entitlement calculations — with full entitlement there is no VA loan limit, subject to lender approval, ability to repay and appraised value.
BAH varies by pay grade, dependency status, and ZIP-based Military Housing Area, and DoD updates rates annually. Check your exact rate on the official DoD BAH calculator. Lenders may count BAH as qualifying income, subject to underwriting.
A VA-eligible borrower with full entitlement may be able to pursue a primary-residence purchase in Huntsville with no down payment and no monthly PMI. Eligibility, credit, income, the VA appraisal, and final lender approval all apply, and closing costs and prepaids are still due.
An unremarried surviving spouse of a veteran who died in service or from a service-connected disability may qualify for the full VA benefit in Huntsville — zero down, no PMI, and a 100% funding-fee waiver, subject to eligibility verification.