VA loans in Killeen.
The Bell County figure on this page is a county reference only, not an address-based lookup for Killeen. Confirm the property's county before relying on it.
Bell 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. · Bell County (FIPS 48027)
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.
Bell County carries a $832,750 one-unit conforming loan limit value for 2026, and that is the county figure we reference for Killeen. 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 assumptionKilleen permits and inspections run through MGO Connect
The City of Killeen manages permits and inspections through MGO Connect, a paperless portal for contractors and residents. The City's steps: create an account, complete the application and upload construction documents, wait for approval, pay fees in the portal, then schedule inspections there, with notes for the inspector if needed. The page also lists the current permit fee schedule and recently adopted ordinances.
Practical step: if a repair must be completed before closing, confirm it has an MGO permit and a scheduled or passed inspection. After you buy, use your own MGO account for projects such as fences or additions rather than relying on the seller's past filings.
Bell CAD homestead: qualify on the application date, with a military exception
The Bell County Appraisal District says you must own and live in the home as of the date of application and cannot claim a homestead elsewhere. A temporary move keeps the exemption if you intend to return within two years, a limit military members serving outside the United States may exceed. Applications cannot be filed before you qualify.
Bell CAD adds that you may file for a homestead exemption up to two years after the delinquency date, which is normally February 1. Practical step: file as soon as you have moved in, and if you are PCSing or deploying abroad, keep records showing you intend to return. A homestead can be a house, condominium or manufactured home on owned or leased land.
- FHFA — Conforming loan limit values
- City of Killeen — Building Inspections
- Bell County Appraisal District — Exemption Information
- 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 Killeen. 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 Killeen, subject to eligibility verification and Certificate of Eligibility issuance.
Surviving spouse guideDisabled veteran? Stack the SAH grant on your Killeen 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 Killeen — 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 Killeen is Bell County (FIPS 48027), 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 Killeen 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 Killeen — zero down, no PMI, and a 100% funding-fee waiver, subject to eligibility verification.