VA loans in Biloxi.
The Harrison County figure on this page is a county reference only, not an address-based lookup for Biloxi. Confirm the property's county before relying on it.
Harrison 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. · Harrison County (FIPS 28047)
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.
Harrison County carries a $832,750 one-unit conforming loan limit value for 2026, and that is the county figure we reference for Biloxi. 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 assumptionBiloxi requires new construction at base flood elevation plus one foot
The City of Biloxi's 2025 flood-zone map and information sheet states that the City's building code requires new construction to be elevated to the base flood elevation plus one foot of freeboard. It notes that the federal flood elevations in effect in Biloxi since May 2009 significantly expanded the mapped flood zone, and that the Community Development Department's floodplain management staff will meet with owners by appointment about flooding problems.
Practical step: if you are buying an older Biloxi home in a mapped zone, ask whether it meets current elevation rules before planning a major renovation or addition, and schedule a floodplain appointment with Community Development if the answer is unclear. Your insurer and lender will assess flood coverage separately.
Harrison County homestead: apply at the Biloxi or Gulfport courthouse, with your closing statement
Harrison County says homestead exemptions are handled by the Tax Assessor at two courthouses, including the Judicial District 2 courthouse in Biloxi. The Mississippi Department of Revenue explains that applications are accepted only in the county Tax Assessor's office between January 1 and April 1, and must be completed in full and signed under affidavit.
The Department lists what applicants generally need: Social Security numbers, the property's physical address, total purchase price, down payment, the closing statement, and tag numbers for vehicles you own or use. It warns that failing to meet eligibility rules can remove the exemption retroactively. Practical step: keep your closing statement and car tags ready and file at the Biloxi courthouse.
- FHFA — Conforming loan limit values
- City of Biloxi — Flood Zones map and information (PDF, June 2025)
- Harrison County, MS — Homestead Exemption
- Mississippi Department of Revenue — Homestead Exemption
- 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 MS.
$0 down in Biloxi. 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 MS veterans qualify.
Zero down, no PMI, and a 100% funding-fee waiver on a home in Biloxi, subject to eligibility verification and Certificate of Eligibility issuance.
Surviving spouse guideDisabled veteran? Stack the SAH grant on your Biloxi 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 Biloxi — 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 Biloxi is Harrison County (FIPS 28047), 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 Biloxi 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 Biloxi — zero down, no PMI, and a 100% funding-fee waiver, subject to eligibility verification.