VA loans in Bethesda.
Bethesda is an unincorporated community with no city government; Montgomery County departments handle permits and county taxes there. The Montgomery County figure on this page is a county reference only; it is not an address-based lookup for Bethesda. 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 24031)
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 $1,249,125 one-unit conforming loan limit value for 2026, and that is the county figure we reference for Bethesda. 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 assumptionReading Montgomery County permit records for a Bethesda address: 'Issued' is not 'Finaled'
Montgomery County's Department of Permitting Services eSearch lets you search by street number and name, choose the matching address and see its applications and permits, including the work type, reviews and inspections. The system distinguishes three states: In Process, Issued and Finaled. Only Finaled means construction was completed and required inspections were done with an approved final inspection; an issued permit is not final approval.
The County also warns that a ZIP code search lists only addresses that have applications or permits in that system, so an address that does not appear is not proof that no construction or history exists. Practical step: for an addition or finished basement, look for a Finaled status, and ask the seller about any permit that stopped at Issued.
Montgomery County tax credits start with the State deciding your home is a principal residence
Montgomery County's Department of Finance explains that the State Department of Assessments and Taxation determines eligibility for most property tax credits, including whether a property is a principal (owner-occupied) residence. That status unlocks the County's largest credits, the homestead credit and the local income tax offset credit, and the State computes several credits, with only a small part calculated by the County.
The page also lists a Supplemental Homeowner's Property Tax Credit and credits for elderly individuals and military retirees, each with its own rules. Practical step: after you move in, make sure the State records the home as your principal residence, then check the County page for any credit that may apply. Credits the seller received do not carry over; your own qualification is determined separately.
- FHFA — Conforming loan limit values
- Montgomery County Department of Permitting Services — Permit eSearch by address
- Montgomery County Department of Finance — Property Tax Credit and Exemption Information
- VA — Home loan entitlement and limits
Sources checked 2026-09-23. Educational information only, not legal, tax or underwriting advice.
VA loan programs available in MD.
$0 down in Bethesda. 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 MD veterans qualify.
Zero down, no PMI, and a 100% funding-fee waiver on a home in Bethesda, subject to eligibility verification and Certificate of Eligibility issuance.
Surviving spouse guideDisabled veteran? Stack the SAH grant on your Bethesda 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 Bethesda — 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 Bethesda is Montgomery County (FIPS 24031), whose official 2026 one-unit value is $1,249,125 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 Bethesda 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 Bethesda — zero down, no PMI, and a 100% funding-fee waiver, subject to eligibility verification.