VA loans in Jacksonville.
The Onslow County figure on this page is a county reference only; it is not an address-based lookup for Jacksonville. Confirm the property's county before relying on it.
Onslow 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. · Onslow County (FIPS 37133)
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.
Onslow County carries a $832,750 one-unit conforming loan limit value for 2026, and that is the county figure we reference for Jacksonville. 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 assumptionWork in a Jacksonville floodplain needs its own permit and elevation certification
The City of Jacksonville's Floodplain Development Permit records whether a site is inside the regulatory floodway, outside it, or in a floodplain with no floodway, and its flood zone. It records the required and the actual as-built lowest floor elevation, and asks for engineering or survey certification where required. The form states that the building permit becomes void after 21 days without certification.
Practical step: for a home in a mapped flood zone, ask the seller for any floodplain permit and elevation certificate from past construction or additions. Those documents help explain how the structure relates to the flood level and can matter for insurance. The permit is issued under the City's floodplain ordinance, and an approved-for-compliance signature from the City appears on the completed form.
Onslow County Veteran Services certifies the disabled veterans property tax exclusion
Onslow County Veteran Services explains that the exclusion is for veterans found permanently and totally disabled by VA, or the surviving spouse of a deceased veteran receiving Dependency and Indemnity Compensation, and applies to a residence they own and occupy. The first $45,000 of appraised value is excluded.
To apply, the veteran completes the NCDVA-9 form and brings it, with a DD214 showing character of service, to the Veteran Services office at 234 NW Corridor Boulevard for certification. Practical step: get the certification done soon after you own and occupy the home, then file it with the county tax office; eligibility is determined by the County.
- FHFA — Conforming loan limit values
- City of Jacksonville — Floodplain Development Permit (PDF)
- Onslow County Veteran Services — Property Tax Exclusion
- 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 Jacksonville. 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 Jacksonville, subject to eligibility verification and Certificate of Eligibility issuance.
Surviving spouse guideDisabled veteran? Stack the SAH grant on your Jacksonville 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 Jacksonville — 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 Jacksonville is Onslow County (FIPS 37133), 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 Jacksonville 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 Jacksonville — zero down, no PMI, and a 100% funding-fee waiver, subject to eligibility verification.