VA loans in New Orleans.
The Orleans Parish figure on this page is a county reference only, not an address-based lookup for New Orleans. Confirm the property's county before relying on it.
Orleans Parish 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. · Orleans Parish (FIPS 22071)
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.
Orleans Parish carries a $832,750 one-unit conforming loan limit value for 2026, and that is the county figure we reference for New Orleans. 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 assumptionNew Orleans permit and violation history: search the One Stop App by house number and street
The City of New Orleans Department of Safety & Permits provides a public search for permits and violations through its One Stop App. You can search by permit or license number, reference code, a person's name such as a contractor, or a street address. The City advises entering only the house number and street, without city, state or ZIP, to see every permit and case tied to that address.
Practical step: search the address before your inspection period ends, looking for open permits and violations as well as completed work. If a renovation or code case appears unresolved, ask the seller how it will be closed out, and contact Safety & Permits with questions about a specific record.
Orleans Parish Assessor: homestead requires an appointment and utility bills that match the property
The Orleans Parish Assessor's Office says every owner in the parish can apply for a homestead exemption on a primary residence, and also handles the Disabled Veteran Exemption, age and disability assessment freezes and a First Responder exemption. You can apply for more than one in a single appointment.
For homestead, the office asks for proof of ownership, a driver's license or ID with an address matching the property, and a current Entergy, cable, landline or internet bill showing standard residential use at that address. Applicants schedule a virtual or in-person appointment after completing the form, and all owners living in the home must attend. Practical step: set up utilities in your name before booking.
- FHFA — Conforming loan limit values
- City of New Orleans Department of Safety & Permits — Search Permits and Violations
- Orleans Parish Assessor — Homestead & SAL
- VA — Home loan entitlement and limits
Sources checked 2026-09-24. Educational information only, not legal, tax or underwriting advice.
Owner-occupied 2–4 units are eligible.
VA allows purchases up to four units as long as you occupy one of them. Whether any projected rental income counts toward your qualifying ratios is a lender and VA underwriting decision, not an automatic allowance. The one-unit county value above is still the figure used in entitlement calculations on a 2–4 unit property.
Run the house-hack calculatorVA loan programs available in LA.
$0 down in New Orleans. 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 LA veterans qualify.
Zero down, no PMI, and a 100% funding-fee waiver on a home in New Orleans, subject to eligibility verification and Certificate of Eligibility issuance.
Surviving spouse guideDisabled veteran? Stack the SAH grant on your New Orleans 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 New Orleans — 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 New Orleans is Orleans Parish (FIPS 22071), 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 New Orleans 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 New Orleans — zero down, no PMI, and a 100% funding-fee waiver, subject to eligibility verification.