VA loans in St. Paul.
The Ramsey County figure on this page is a county reference only, not an address-based lookup for St. Paul. Confirm the property's county, and which local offices serve the address, before relying on it.
Ramsey 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. · Ramsey County (FIPS 27123)
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.
Ramsey County carries a $832,750 one-unit conforming loan limit value for 2026, and that is the county figure we reference for St. Paul. 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 assumptionSaint Paul's Truth-in-Sale of Housing report is disclosure only
The City of Saint Paul requires a Truth-in-Sale of Housing (TISH) evaluation before single-family homes, duplexes, condominiums and townhomes are marketed for sale. The report is for disclosure only and records observed conditions. A condominium with its own parcel number needs a TISH even if the building has a Certificate of Occupancy, since that certificate covers only common areas.
Evaluators are City-licensed but not City employees. The only required repair in single-family homes is an operational hard-wired smoke alarm. Practical step: read the TISH report as a starting point, not a full inspection, and consider hiring your own inspector. If no working hard-wired alarm is present, the City's Senior Electrical Inspector writes to the seller, who must hire a licensed electrical contractor to pull and finalize a permit.
Ramsey County homestead: new owners must apply, and the veterans' exclusion is separate
Ramsey County explains that homestead is a classification for property owned and occupied as a primary residence. Under the state Homestead Market Value Exclusion it can reduce taxable market value for homes under a set value, and it is a qualifying factor for the state Property Tax Refund. Residents can now apply online.
The County's due-date table lists December 31 as the last day to own and occupy, and to apply, for the current assessment year, with separate deadlines for disability homestead and the homestead exclusion for veterans with a disability. Practical step: after closing, apply in your own name. Check Ramsey County's table for the veterans' exclusion deadline. The County notes owners can also qualify when a qualifying relative occupies the home.
- FHFA — Conforming loan limit values
- City of Saint Paul — Truth-in-Sale of Housing
- Ramsey County — Homestead
- 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 MN.
$0 down in St. Paul. 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 MN veterans qualify.
Zero down, no PMI, and a 100% funding-fee waiver on a home in St. Paul, subject to eligibility verification and Certificate of Eligibility issuance.
Surviving spouse guideDisabled veteran? Stack the SAH grant on your St. Paul 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 St. Paul — 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 St. Paul is Ramsey County (FIPS 27123), 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 St. Paul 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 St. Paul — zero down, no PMI, and a 100% funding-fee waiver, subject to eligibility verification.