VA loans in Montgomery.
The Montgomery County figure on this page is a county reference only, not an address-based lookup for Montgomery. Confirm the property's county before relying on it.
Montgomery 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. · Montgomery County (FIPS 01101)
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.
Montgomery County carries a $832,750 one-unit conforming loan limit value for 2026, and that is the county figure we reference for Montgomery. 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 assumptionMontgomery permits: what triggers one, and when a separate grading package applies
The City of Montgomery's Building Inspections page says a building permit is needed to construct, move, enlarge, alter, demolish, repair or change the occupancy of a building. It lists the City's adopted codes, including an ordinance adopting the 2024 International Building Code and a Flood Damage Prevention ordinance, and says land disturbance over 3,500 square feet or 24 inches deep requires a separate Grading Permit Package.
The City also notes that some projects need review by other agencies, such as the Alabama Division of Construction Management, the health department or Montgomery Fire Rescue. Practical step: if a house had an addition, conversion or major site work, ask whether a City permit and any required outside approvals were obtained, and call the number listed on the City's page to confirm.
Montgomery County's Revenue Commissioner handles assessment, exemptions and collection in one office
The Montgomery County Revenue Commissioner's citizen access site explains that this one office handles mapping, appraisal, assessment and collection of property taxes, and grants exemptions. From the same site you can view assessments, property records, deeds and tax maps, file a value protest (with published instructions), file a homestead exemption, renew an over-65 exemption and pay taxes.
It also has a separate entry for closing attorneys to update assessment information after a sale. Practical step: after closing in Montgomery, check that the parcel's assessment shows you as owner. Then file your own homestead exemption through the Revenue Commissioner, because the site treats homestead filing as a separate owner action.
- FHFA — Conforming loan limit values
- City of Montgomery — Building Inspections
- Montgomery County Revenue Commissioner — Citizen Access Welcome
- 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 Montgomery. 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 Montgomery, subject to eligibility verification and Certificate of Eligibility issuance.
Surviving spouse guideDisabled veteran? Stack the SAH grant on your Montgomery 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 Montgomery — 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 Montgomery is Montgomery County (FIPS 01101), 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 Montgomery 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 Montgomery — zero down, no PMI, and a 100% funding-fee waiver, subject to eligibility verification.