VA loans in Savannah.
The Chatham County figure on this page is a county reference only, not an address-based lookup for Savannah. Confirm the property's county before relying on it.
Chatham 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. · Chatham County (FIPS 13051)
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.
Chatham County carries a $832,750 one-unit conforming loan limit value for 2026, and that is the county figure we reference for Savannah. 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 assumptionSavannah offers flood determinations and a street-by-street elevation certificate list
The City of Savannah's Flood Protection Information page says that, for a flood determination within city limits, you can contact the City's floodplain staff directly, and it provides a searchable list of elevation certificates on file, organized by street name. The City is also updating its Floodplain Management Plan and publishes the draft plan and related public-information materials.
Practical step: before an inspection deadline, check the City's elevation-certificate list for the address and request a flood determination if the property is inside Savannah. An existing certificate can help your insurer price flood coverage. A missing one simply means you may need a surveyor to prepare a new one.
Chatham County homestead: apply in person with vehicle registration, and renewal covers only the original home
The Chatham County Board of Assessors takes exemption filings at its office on West Oglethorpe Avenue. Applications made by April 1 count for the current tax year, later ones for the next year, and the filing time cannot be extended. The Board asks for a Georgia driver's license or ID and registration for vehicles in the applicant's name, and may also request a prior-year utility bill or voter registration card.
It notes that automatic renewal applies only to the home originally exempted, rental property does not qualify, and applications must be completed in person by the owner unless another party is authorized. Practical step: register your vehicles in Chatham County and bring those documents when you file.
- FHFA — Conforming loan limit values
- City of Savannah — Flood Protection Information
- Chatham County Board of Assessors — Homestead Exemptions
- 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 Savannah. 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 Savannah, subject to eligibility verification and Certificate of Eligibility issuance.
Surviving spouse guideDisabled veteran? Stack the SAH grant on your Savannah 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 Savannah — 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 Savannah is Chatham County (FIPS 13051), 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 Savannah 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 Savannah — zero down, no PMI, and a 100% funding-fee waiver, subject to eligibility verification.