VA loans in Dallas.
The Dallas County figure on this page is a county reference only, not an address-based lookup for Dallas. Confirm the property's county before relying on it.
Dallas 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. · Dallas County (FIPS 48113)
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.
Dallas County carries a $832,750 one-unit conforming loan limit value for 2026, and that is the county figure we reference for Dallas. 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 assumptionDallas floodplain rules sit in the Development Code, and fill permits get neighborhood meetings
Dallas Water Utilities' Stormwater Operations says the City has managed floodplain development since the early 1970s under its Floodplain Regulations in Article V of the Dallas Development Code. The page posts neighborhood-meeting videos for individual floodplain fill permit applications, and links the City's flood warning system with real-time gauge data and its Dam Safety Program.
Practical step: if a lot near a creek or the Trinity corridor has been raised or reshaped, or you plan to build there, ask whether a floodplain fill permit was involved and read the Development Code rules. Check the real-time gauges to understand how nearby channels respond to storms. Floodplain questions can go to Stormwater Operations on Irving Boulevard.
Dallas CAD separates the general homestead from disabled-veteran exemptions
The Dallas Central Appraisal District lists the residence homestead exemption separately from the 100% disabled veteran homestead exemption, the disabled veteran or survivors exemption and the donated-residence exemption for partially disabled veterans. For the general homestead, you must own and live in the home on January 1 of the year you apply and may not claim a homestead anywhere else.
The Texas Comptroller adds an exception for buyers who acquire a home after January 1: you may receive the general homestead exemption for the applicable part of that year as soon as you qualify, if the prior owner did not receive the same exemption for that year. State guidance also separates the veteran programs: the full exemption under Tax Code section 11.131 is for the residence homestead of a veteran receiving 100 percent compensation with a 100 percent rating or individual unemployability, while the partial exemption under section 11.22 can apply to any one property the veteran owns. Practical step: after closing and move-in, ask DCAD whether the seller had the general homestead this year, file your own application, and if you have a VA rating, file the application for the specific program that matches it. The district decides eligibility.
- FHFA — Conforming loan limit values
- City of Dallas Water Utilities — Floodplain and Drainage Management
- Dallas Central Appraisal District — Exemptions
- Texas Comptroller — Property Tax Exemptions (Residence Homestead)
- Texas Comptroller — 100 Percent Disabled Veteran Residence Homestead Exemption FAQ
- VA — Home loan entitlement and limits
Sources checked 2026-09-23. Educational information only, not legal, tax or underwriting advice.
Owner-occupied 2–4 units are eligible.
VA allows purchases up to four units as long as you occupy one of them. Whether any projected rental income counts toward your qualifying ratios is a lender and VA underwriting decision, not an automatic allowance. The one-unit county value above is still the figure used in entitlement calculations on a 2–4 unit property.
Run the house-hack calculatorVA loan programs available in TX.
$0 down in Dallas. 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 TX veterans qualify.
Zero down, no PMI, and a 100% funding-fee waiver on a home in Dallas, subject to eligibility verification and Certificate of Eligibility issuance.
Surviving spouse guideDisabled veteran? Stack the SAH grant on your Dallas 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 Dallas — 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 Dallas is Dallas County (FIPS 48113), 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 Dallas 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 Dallas — zero down, no PMI, and a 100% funding-fee waiver, subject to eligibility verification.