VA loans in Boston.
The Suffolk County figure on this page is a county reference only, not an address-based lookup for Boston. Confirm the property's county before relying on it.
Bolt Home Loans LLC is not currently licensed to originate mortgage loans in this state. This page is provided for educational purposes only. Licensing status can change — verify current authority on NMLS Consumer Access.
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Suffolk 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. · Suffolk County (FIPS 25025)
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.
Suffolk County carries a $962,550 one-unit conforming loan limit value for 2026, and that is the county figure we reference for Boston. 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 assumptionBoston residential exemption: applied on the third-quarter bill, with an application if it's missing
Boston's Assessing Department explains that the residential exemption lowers the tax bill of owners who live in the property as their primary residence by excluding part of its value from taxation. The City applies the exemption on the third-quarter tax bill issued in late December, and owners who believe they qualify but did not receive it can file an application. The page states the current fiscal year's application deadline and notes that a recent home rule petition expanded the exemption.
Practical step: after buying a Boston home you live in, check your third-quarter bill for the exemption. If it is missing, file with Assessing before the deadline shown on the City's page, and use Boston Property Lookup to review the record.
Boston permit history: online data from late 2009, document images, and plans viewed in person
Boston Inspectional Services explains how to find a property's historical permits using only the address. It offers an online search of document images for all permits, a separate searchable dataset for permits issued after December 15, 2009, and the Permit Finder site for the status of current applications. Building plans cannot be viewed online; you must visit the document room on the fifth floor of 1010 Massachusetts Avenue.
Practical step: for an older Boston home, search both online tools, then schedule a visit to review plans if a renovation or unit conversion matters to your purchase. Contact ISD by phone or email if you cannot find a permit.
- FHFA — Conforming loan limit values
- City of Boston Assessing — Residential Exemption
- City of Boston Inspectional Services — How to Find Historical Permit Records
- 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 explained.
$0 down in Boston. 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 MA veterans qualify.
Zero down, no PMI, and a 100% funding-fee waiver on a home in Boston, subject to eligibility verification and Certificate of Eligibility issuance.
Surviving spouse guideDisabled veteran? Stack the SAH grant on your Boston 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 Boston — 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 Boston is Suffolk County (FIPS 25025), whose official 2026 one-unit value is $962,550 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 Boston 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 Boston — zero down, no PMI, and a 100% funding-fee waiver, subject to eligibility verification.
All of Massachusetts.
Educational guides and 2026 FHFA conforming limit values.