VA loans in Raleigh.
The Wake County figure on this page is a county reference only; it is not an address-based lookup for Raleigh. Confirm the property's county before relying on it.
Wake 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. · Wake County (FIPS 37183)
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.
Wake County carries a $832,750 one-unit conforming loan limit value for 2026, and that is the county figure we reference for Raleigh. 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 assumptionRaleigh's Permit and Development Portal: see activity near an address before you buy
The City of Raleigh's portal help center describes the Permit and Development Portal as the tool for managing development review and permitting in the City. Beyond submitting permits, paying fees and scheduling inspections, it lets users view development activity near them, and the City keeps adding case types.
Practical step: before committing to a home, use the portal's nearby-activity view to see pending development around the address, and if you expect to file your own permit later, register and read the portal's process guide early rather than on the day you need it. The help center links registration instructions, a submission guide, a quick-reference guide and a payment guide.
Wake County appeals are about value, not tax rates
Wake County Tax Administration explains that owners may appeal assessed value informally to the County or formally to the Board of Equalization and Review, and that there is no charge to file. Appeals concern only the assessed value — an appeal based solely on county or municipal tax rates cannot be considered.
The County encourages documentation such as a recent appraisal or details about property characteristics that affect value, and says that for appeals on or after January 1, 2025 its current appeals page applies. Practical step: if you think a newly bought home is over-assessed, gather your purchase appraisal and property details and check the County's current appeals page for that year's dates.
- FHFA — Conforming loan limit values
- City of Raleigh — Permit and Development Portal Help Center
- Wake County Tax Administration — Appeals: Informal Review and Formal Appeal
- 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 Raleigh. 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 Raleigh, subject to eligibility verification and Certificate of Eligibility issuance.
Surviving spouse guideDisabled veteran? Stack the SAH grant on your Raleigh 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 Raleigh — 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 Raleigh is Wake County (FIPS 37183), 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 Raleigh 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 Raleigh — zero down, no PMI, and a 100% funding-fee waiver, subject to eligibility verification.