VA loans in Plano.
The Collin County figure on this page is a county reference only, not an address-based lookup for Plano. Confirm the property's county, and which local offices serve the address, before relying on it.
Collin 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. · Collin County (FIPS 48085)
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.
Collin County carries a $832,750 one-unit conforming loan limit value for 2026, and that is the county figure we reference for Plano. 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 assumptionPlano permits: water heaters, softeners and foundation repairs are on the list
The City of Plano's Building Inspections handout says permits are required when building, remodeling or enlarging a building, and for many other improvements. Its list includes foundation work, additions, decks more than 30 inches above grade, electrical and plumbing work, and replacing or adding water heaters.
Cosmetic work, such as painting or new flooring, does not need a permit. The City notes the handout is informational and the adopted codes control. Practical step: if a seller mentions a foundation repair or a new water heater, ask for the Plano permit and final inspection. Foundation repair is a common repair disclosure worth documenting.
Collin CAD homestead application: tell the district about your previous homestead
Collin Central Appraisal District's residence homestead application covers the general homestead, age 65 or older, disabled person, 100 percent disabled veteran and surviving spouse exemptions. It applies only to property you own and occupy as your principal residence. The form asks whether you had a homestead exemption on a previous residence and whether you are transferring an exemption or tax ceiling from it.
The district removes exemptions from your previous Collin County address, but if that address was in another county you must notify that county's appraisal district yourself. Disabled veterans must state their rating and whether it is a permanent total disability. Practical step: after you move in, file your own application. A seller's exemption on the parcel does not become yours.
- FHFA — Conforming loan limit values
- City of Plano Building Inspections — When Is a Permit Required? (PDF)
- Collin Central Appraisal District — Residence Homestead Exemption Application (CCAD-114, PDF)
- VA — Home loan entitlement and limits
Sources checked 2026-09-24. Educational information only, not legal, tax or underwriting advice.
VA loan programs available in TX.
$0 down in Plano. 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 Plano, subject to eligibility verification and Certificate of Eligibility issuance.
Surviving spouse guideDisabled veteran? Stack the SAH grant on your Plano 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 Plano — 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 Plano is Collin County (FIPS 48085), 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 Plano 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 Plano — zero down, no PMI, and a 100% funding-fee waiver, subject to eligibility verification.