VA loans in San Angelo.
The Tom Green County figure on this page is a county reference only, not an address-based lookup for San Angelo. Confirm the property's county, and which local offices serve the address, before relying on it.
Tom Green 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. · Tom Green County (FIPS 48451)
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.
Tom Green County carries a $832,750 one-unit conforming loan limit value for 2026, and that is the county figure we reference for San Angelo. 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 assumptionSan Angelo permits: a project number is not an issued permit
The City of San Angelo's Planning & Development Services page says a Building Permit Application can be emailed as a PDF. The applicant then receives a project number, followed by a task email with instructions to upload plans and documents for electronic review. The City links a separate list of registered contractors.
That sequence matters when a seller says work was permitted: a project number shows an application was opened, not that a permit was issued or that the work passed final inspection. Practical step: ask for the permit number and the final inspection result, check the contractor against the City's registered-contractor list, and ask Planning & Development Services to confirm the status for the address before closing.
A San Angelo zoning verification letter does not prove an addition or conversion complies
The City's Zoning Verification Form explains that a zoning verification letter confirms zoning information but expressly does not certify that development complies with regulations or that a use has legal nonconforming status. It also does not include zoning, building or fire violations.
The City says those violation records are separate public-information requests that identify the address, the time period and the type of record wanted. Practical step: if you are buying a home with a garage conversion, added unit or other change of use, do not treat a zoning letter as proof it is legal. Request the violation and permit records for the address as well, and ask the City about anything unclear.
- FHFA — Conforming loan limit values
- City of San Angelo — Planning & Development Services
- City of San Angelo — Zoning Verification Form
- 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 San Angelo. 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 San Angelo, subject to eligibility verification and Certificate of Eligibility issuance.
Surviving spouse guideDisabled veteran? Stack the SAH grant on your San Angelo 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 San Angelo — 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 San Angelo is Tom Green County (FIPS 48451), 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 San Angelo 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 San Angelo — zero down, no PMI, and a 100% funding-fee waiver, subject to eligibility verification.