VA loans in El Paso.
The El Paso County figure on this page is a county reference only, not an address-based lookup for El Paso. Confirm the property's county before relying on it.
El Paso 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. · El Paso County (FIPS 48141)
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.
El Paso County carries a $832,750 one-unit conforming loan limit value for 2026, and that is the county figure we reference for El Paso. 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 assumptionEl Paso flood maps: check both the effective and any preliminary maps
The City of El Paso's Flood Zones page describes a FEMA Region 6 flood-hazard update for El Paso County. Historically, the page reports a preliminary Flood Insurance Rate Map released in 2020 and a revised preliminary map in November 2023, with a County viewer of changed areas. The page does not by itself establish which maps are effective today.
The City invites affected owners to review the preliminary maps and directs technical comments to its Floodplain Administrator. It also warns about scammers posing as its Planning & Inspections department and asking for a fake "City Compensation Fee". Practical step: check the address on FEMA's current effective map and on any preliminary map, and ask the Floodplain Administrator which is in effect. For insurance, get a property-specific quote; a mapped zone is not a quote or a complete risk assessment.
El Paso CAD: match your VA rating to the right Texas exemption program
The El Paso Central Appraisal District says the homestead exemption is available to every homeowner, but only on the property designated as the primary residence, and that there is no fee to file. Its disabled veterans exemption covers a 100% rating or individual unemployability with 100% compensation, and also ratings from 10% to 90%, if the disability is service-connected.
The Comptroller's detailed guidance separates these programs. The full exemption under Tax Code section 11.131 applies to the qualifying residence homestead of a veteran receiving 100 percent compensation with a 100 percent rating or individual unemployability. The partial exemption under section 11.22, tied to ratings, can apply to any one property the veteran owns, not only a homestead. Practical step: identify which program fits your rating, file that program's application with your VA rating letter, and file the general homestead application for the home you live in. EPCAD decides eligibility.
- FHFA — Conforming loan limit values
- City of El Paso Planning & Inspections — Flood Zones
- El Paso Central Appraisal District — Exemptions
- Texas Comptroller — Disabled Veteran and Surviving Spouse Exemptions FAQ
- 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.
VA loan programs available in TX.
$0 down in El Paso. 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 El Paso, subject to eligibility verification and Certificate of Eligibility issuance.
Surviving spouse guideDisabled veteran? Stack the SAH grant on your El Paso 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 El Paso — 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 El Paso is El Paso County (FIPS 48141), 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 El Paso 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 El Paso — zero down, no PMI, and a 100% funding-fee waiver, subject to eligibility verification.