VA loans in Alexandria.
Alexandria is an independent city, so the city itself is the county-level jurisdiction for the FHFA value shown here, and its own offices handle assessment and local permitting.
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. · Alexandria City (FIPS 51510)
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.
Alexandria City carries a $1,249,125 one-unit conforming loan limit value for 2026. It is used in remaining-entitlement calculations — including on a 2–4 unit property, where the one-unit value is still the figure used — and it is not a cap on what a fully-entitled Alexandria 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 assumptionAlexandria's two local historic districts are not the same as its National Register districts
The City lists seven National Register historic districts, but only two local districts — Old and Historic Alexandria and Parker-Gray — are regulated by the Board of Architectural Review, and the City warns that the local boundaries differ from the National Register ones. Buildings outside those districts that City Council has designated as One Hundred Year Old Buildings are also regulated by the Board.
Practical step: before relying on plans to change windows, siding, additions or other exterior features, check the address on the City's Historic Preservation map viewer or its local-district map. A home can sit inside a National Register district and not be locally regulated, or sit outside every district and still be a designated 100-year-old building.
Reviewing an Alexandria assessment: an internal review first, then the Board
Alexandria mails Notices of Assessment in early February, valuing property as of January 1. An owner who disagrees can ask the Office of Real Estate Assessments for a Review of Assessment, appeal to the Board of Equalization and Assessment Review, or file in Circuit Court. The Office strongly encourages the internal review as the first step: a staff appraiser discusses the value, looks at sales and equity comparables and may inspect the home to correct factual errors on the record.
The City says the review deadline falls in early to mid-March depending on when notices go out, with the exact date printed on the notice. Practical step: if you buy after notices are mailed, ask the seller for the current notice at closing so you know that year's date and can check the property record for errors.
- FHFA — Conforming loan limit values
- City of Alexandria — Old & Historic Alexandria and Parker-Gray Districts, and 100-Year-Old Buildings
- City of Alexandria — Real Estate Assessment Review and Appeal Process
- 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 VA.
$0 down in Alexandria. 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 VA veterans qualify.
Zero down, no PMI, and a 100% funding-fee waiver on a home in Alexandria, subject to eligibility verification and Certificate of Eligibility issuance.
Surviving spouse guideDisabled veteran? Stack the SAH grant on your Alexandria 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 Alexandria — answered.
FHFA sets conforming loan limit values by county. Alexandria is in Alexandria City (FIPS 51510), whose 2026 one-unit value is $1,249,125 per the FHFA Full County Loan Limit List. 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 Alexandria 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 Alexandria — zero down, no PMI, and a 100% funding-fee waiver, subject to eligibility verification.