VA loans in Gulfport.
The Harrison County figure on this page is a county reference only, not an address-based lookup for Gulfport. 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 Gulfport. 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 assumptionGulfport's flood information page includes a "check before you buy" guide — note when it was last updated
The City of Gulfport's Building Code Services flood information page collects local documents, including a Harrison County flood map, the City's Floodplain Management Plan annual progress report, a "Flood Hazard: Check Before You Buy" handout, and flood protection information for property owners. The City states that the page was last updated on December 11, 2019.
Because the page is dated, treat its maps as background and confirm current conditions directly. Practical step: read the Check Before You Buy handout, then ask Building Code Services for the property's current flood zone and any elevation certificate on file. Ask your insurer for a flood quote during your inspection period rather than after closing.
Harrison County assessment calendar: April 1 homestead cutoff even on weekends, and a May 15 informal review
The Harrison County Tax Assessor's calendar lists January 1 as the lien date for real property and sets the homestead filing window from January through April 1, stating the deadline is on or before April 1 even when it falls on a Saturday or Sunday. It lists May 15 as the last day to request an informal review of property values with the Assessor.
After that, the assessment rolls go to the Board of Supervisors in July for equalization, and formal written objections are heard in August. Practical step: file homestead with the Assessor early in the year after your purchase. If the value looks wrong, request the informal review before May 15 rather than waiting for the Board.
- FHFA — Conforming loan limit values
- City of Gulfport Building Code Services — Flood Information
- Harrison County, MS Tax Assessor — Calendar of dates and deadlines
- 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 Gulfport. 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 Gulfport, subject to eligibility verification and Certificate of Eligibility issuance.
Surviving spouse guideDisabled veteran? Stack the SAH grant on your Gulfport 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 Gulfport — 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 Gulfport 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 Gulfport 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 Gulfport — zero down, no PMI, and a 100% funding-fee waiver, subject to eligibility verification.