VA loans in Augusta.
The Richmond County figure on this page is a county reference only, not an address-based lookup for Augusta. Confirm the property's county before relying on it.
Richmond 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. · Richmond County (FIPS 13245)
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.
Richmond County carries a $832,750 one-unit conforming loan limit value for 2026, and that is the county figure we reference for Augusta. 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 assumptionAugusta keeps the city's flood records archive — elevation certificates, LOMAs and maps
Augusta's Planning & Development Department describes itself as the archive for the city's flood information, including Flood Insurance Rate Maps, elevation certificates, Letters of Map Amendment and Revision, and Flood Insurance Studies. Its Floodplain Management staff help customers meet the Augusta Flood Damage Prevention Ordinance and the National Flood Insurance Program.
The page also says Augusta participates in FEMA's Community Rating System, which can discount local flood insurance premiums based on community activities. Practical step: before buying near a creek or low area, ask Planning & Development whether an elevation certificate or a map amendment is on file for the address. Those documents can clarify the home's flood-zone status. Your insurer, not the City, sets the final premium.
Richmond County homestead: military owners must be Georgia-domiciled, and a deed change needs a new application
The Richmond County Tax Commissioner's homestead explanation, published on the Augusta government site, says residents who own and occupy the home as their permanent legal residence on January 1 may qualify, and taxes must be current when applying. Applications run from April 2 of the prior year through April 1 of the year sought, and a granted exemption renews automatically while you keep occupying the home.
It adds points specific to service members: members who keep a legal residence and vote in another state are not eligible, and claiming the exemption declares an intent to become a Georgia resident, with state income and personal property tax consequences. A new application is required after buying a new home, any deed change, or when seeking a greater exemption. Practical step: settle your domicile question before filing.
- FHFA — Conforming loan limit values
- Augusta, GA Planning & Development — Floodplain Management
- Richmond County Tax Commissioner — Homestead Exemptions explanation (PDF)
- 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 GA.
$0 down in Augusta. 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 GA veterans qualify.
Zero down, no PMI, and a 100% funding-fee waiver on a home in Augusta, subject to eligibility verification and Certificate of Eligibility issuance.
Surviving spouse guideDisabled veteran? Stack the SAH grant on your Augusta 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 Augusta — 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 Augusta is Richmond County (FIPS 13245), 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 Augusta 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 Augusta — zero down, no PMI, and a 100% funding-fee waiver, subject to eligibility verification.