Your VA loan in New York.
NYC-area counties reach the highest FHFA conforming-limit tier.
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.
Bolt Home Loans LLC cannot quote, originate, or accept a mortgage application in New York. Verify current authority on NMLS Consumer Access.
Where New York veterans are buying.
With the $0-down VA benefit, a typical New York buyer in the $470,000 range can move in with only closing costs and prepaids — no down payment and no monthly PMI. The VA funding fee, unless waived, may be financeable into the loan.
Veterans with full entitlement have no VA loan limit — the $1,249,125 2026 FHFA conforming loan limit figure only matters for borrowers with reduced or partial entitlement, or when calculating remaining bonus entitlement. 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.
Widows and widowers of NY veterans qualify too.
An unremarried surviving spouse of a New York veteran who died in service, from a service-connected disability, or who is receiving VA Dependency and Indemnity Compensation (DIC) may qualify for the VA home loan — no down payment, no monthly PMI, and a funding-fee exemption (closing costs, prepaids, and escrows may still apply). Two statutory exceptions preserve eligibility after remarriage (age 57+ on/after Dec 16, 2003, or a terminated remarriage).
Many surviving spouses who may be eligible have never been told the benefit exists. The way to find out is a VA eligibility determination. Your Certificate of Eligibility (VA Form 26-1817) is issued through the Regional Loan Center that serves NY.
City-by-city VA loan guides.
Local BAH, 2026 FHFA conforming limits, median prices, and the nearest installation for every NY metro we cover.
Where Bolt Home Loans LLC is licensed.
This New York page is educational only. Review current licensed jurisdictions and NMLS Consumer Access.