VA loans in San Antonio.
The Bexar County figure on this page is a county reference only, not an address-based lookup for San Antonio. Confirm the property's county before relying on it.
Bexar 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. · Bexar County (FIPS 48029)
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.
Bexar County carries a $832,750 one-unit conforming loan limit value for 2026, and that is the county figure we reference for San Antonio. 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 Antonio historic districts: Certificates of Appropriateness are portal-only
The City of San Antonio's Office of Historic Preservation says applications for a Certificate of Appropriateness or demolition review must be submitted online through its application portal. Before applying, the City recommends reviewing its guidance on the design review process, identifying your assigned case manager and reading the design standards that apply.
The office also publishes historic tax certification and rehabilitation fee waiver forms, and explains that new local historic districts can be started at the request of most property owners within proposed boundaries, with City Council approval. Practical step: if a home is in a historic district or is a landmark, find your case manager and read the design guidelines before you budget for exterior work.
Bexar CAD 100% disabled veteran exemption: what to upload, and no annual reapplication
The Bexar Appraisal District explains that a veteran with a 100% VA rating for a service-connected disability or individual unemployability can receive a full exemption on a primary residence; a qualifying surviving spouse may also be eligible, with restrictions. To apply online, upload a Texas license or ID showing the property address and a current VA letter confirming 100% compensation.
BCAD says the exemption does not need to be renewed each year once approved, but it can end if the home stops being your primary residence or you do not answer a request to verify eligibility. Practical step: file after you move in, and respond promptly to any homestead audit letter.
- FHFA — Conforming loan limit values
- City of San Antonio Office of Historic Preservation — Submit an Application
- Bexar Appraisal District — 100% Disabled Veteran Homestead Exemption: How to Apply
- 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 San Antonio. 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 Antonio, subject to eligibility verification and Certificate of Eligibility issuance.
Surviving spouse guideDisabled veteran? Stack the SAH grant on your San Antonio 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 Antonio — 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 Antonio is Bexar County (FIPS 48029), 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 Antonio 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 Antonio — zero down, no PMI, and a 100% funding-fee waiver, subject to eligibility verification.