VA loans in Greensboro.
The Guilford County figure on this page is a county reference only; it is not an address-based lookup for Greensboro. Confirm the property's county before relying on it.
Guilford 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. · Guilford County (FIPS 37081)
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.
Guilford County carries a $832,750 one-unit conforming loan limit value for 2026, and that is the county figure we reference for Greensboro. 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 assumptionGreensboro's stream flooding and the City's pointer to the state flood map
Greensboro's Water Resources department says several streams in the city flood during and after heavy rain, and that although regulations have made new homes less prone to flooding, many existing structures remain susceptible. It reminds owners that standard homeowner policies usually do not cover flood damage.
The City says its participation in the National Flood Insurance Program allows premium reductions, and it directs residents to the Flood Risk Information System to check a property's proximity to a flood zone. Practical step: look up the address before your offer is final; for an older home near a stream, ask about past water and get a property-specific flood insurance quote even if the lender does not require one. The City also recommends keeping an up-to-date household inventory to document losses.
Guilford County's single relief application covers the disabled veteran exclusion
Guilford County uses one form, AV-9GC, for the elderly or disabled exclusion, the disabled veteran exclusion and the circuit-breaker deferment, and states that it must be received by June 1 to be timely. The form asks whether the property is the permanent legal residence, whether a spouse lives there, and the ownership share of each owner.
It also notes that separate applications are needed for each owner claiming relief, with a single application for spouses owning by the entirety. Practical step: an eligible veteran should gather the state veteran certification and ownership details and file after closing; the County decides eligibility. The form also asks whether the applicant or spouse lives in a health care facility, which affects how residence is treated.
- FHFA — Conforming loan limit values
- City of Greensboro Water Resources — Flood Information
- Guilford County — Application for Property Tax Relief (AV-9GC)
- 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 NC.
$0 down in Greensboro. 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 NC veterans qualify.
Zero down, no PMI, and a 100% funding-fee waiver on a home in Greensboro, subject to eligibility verification and Certificate of Eligibility issuance.
Surviving spouse guideDisabled veteran? Stack the SAH grant on your Greensboro 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 Greensboro — 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 Greensboro is Guilford County (FIPS 37081), 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 Greensboro 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 Greensboro — zero down, no PMI, and a 100% funding-fee waiver, subject to eligibility verification.