VA loans in Grand Rapids.
Grand Rapids sits in Kent County, Michigan (FIPS 26081). Kent County's 2026 FHFA one-unit conforming loan limit value is the national baseline, so Kent County is not a high-cost county for 2026 purposes.
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. · Kent County (FIPS 26081)
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.
Kent County carries a $832,750 one-unit conforming loan limit value for 2026. It is used in remaining-entitlement calculations — including on a 2–4 unit property, where the one-unit value is still the figure used — and it is not a cap on what a fully-entitled Grand Rapids 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 assumptionWhy the seller's current tax bill is not your future tax bill
Grand Rapids explains its real property tax directly: a property's taxable value multiplied by the millage rate determines the taxes. Taxable value is not the same thing as your purchase price, and it is not simply the number the seller has been paying.
The city's own 2026 real property tax page states that properties transferred in 2025 have their taxable value set to the assessed value in 2026. That single sourced example is the reason to stop treating the seller's prior bill as a forecast: a transfer can change how the parcel is treated, and there are exceptions, so ask the Assessor's Office what treatment it expects for that parcel after the sale and hand the answer to your loan officer.
What you can request from the Grand Rapids Assessor's Office
The Assessor's Office publishes the assessment roll, information on exemptions and appeals, a property lookup, and a route to request an assessor record card for a specific property. The record card is the useful one when you are comparing what a listing claims against what the city actually has on file.
If you are planning around the Principal Residence Exemption, Michigan Treasury describes it as exempting an eligible principal residence from the local school operating millage up to 18 mills — distinct from the income-tax Homestead Property Tax Credit. It is administered locally, so confirm the parcel's status with the assessing office rather than assuming it carries over from the seller.
Kent County Veterans Services is a separate, local resource
Kent County runs a Veterans Services office that, per the county, helps county veterans and their families with military service records, service-connected disability claims and other benefits, and maintains a community resource guide covering things like home repairs, adaptations and assistance.
It does not approve VA mortgages and has no role in your loan decision. It is the place to go for the service-record and disability-claim side of a file — which is often what a Certificate of Eligibility or funding-fee exemption question actually turns on.
- FHFA — Conforming loan limit values
- City of Grand Rapids — Real Property Tax
- City of Grand Rapids — Assessor's Office
- Kent County Veterans Services
- Michigan Department of Treasury — Principal Residence Exemption
- 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 MI.
$0 down in Grand Rapids. 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 MI veterans qualify.
Zero down, no PMI, and a 100% funding-fee waiver on a home in Grand Rapids, subject to eligibility verification and Certificate of Eligibility issuance.
Surviving spouse guideDisabled veteran? Stack the SAH grant on your Grand Rapids 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 Grand Rapids — answered.
FHFA sets conforming loan limit values by county. Grand Rapids is in Kent County (FIPS 26081), whose 2026 one-unit value is $832,750 per the FHFA Full County Loan Limit List. 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 Grand Rapids 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 Grand Rapids — zero down, no PMI, and a 100% funding-fee waiver, subject to eligibility verification.