VA loans in Newport News.
Newport News 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. · Newport News City (FIPS 51700)
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.
Newport News City carries a $832,750 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 Newport News 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 assumptionNewport News values property as of January 1 but its Board of Review sits only in the fall
The City's 2026 appeal procedures explain that the Real Estate Assessor values property as of January 1 with an effective date of July 1. The Board of Review, appointed annually by Circuit Court judges, serves from September 1 to November 30, and all hearings must finish in that window The 2026 application window (July 1 to September 1) has already closed.
The document quotes Virginia law: the Board presumes the Assessor's value is correct and the owner must produce substantial evidence that it exceeds fair market value or is not uniform. Practical step: an opinion alone will not carry an appeal, so if you think a newly bought home is over-assessed, keep your purchase appraisal and comparable sales and check the City's current procedures document for the next window.
Newport News flood-zone lookups: City GIS, the state VFRIS map, or a call to 311
The City's Know Your Flood Risk page gives three ways to learn whether a property is in a high-risk or other flood zone: its GIS Map Viewer, the Virginia Flood Risk Information System, or calling the City and asking for flood information for the property. It also says the City expects flooding to increase because of rising sea levels and heavier rainfall.
Practical step: check the address with the City before your inspection and appraisal. A mapped zone does not tell you everything about a particular house, but it tells you whether to ask the seller about past water, look at the foundation and grading closely, and get a property-specific flood insurance quote early. No map result guarantees a house is safe from flooding.
- FHFA — Conforming loan limit values
- City of Newport News — Board of Review of Real Estate Assessments, 2026 Procedures for Appeal (PDF)
- City of Newport News — Know Your Flood Risk
- 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 Newport News. 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 Newport News, subject to eligibility verification and Certificate of Eligibility issuance.
Surviving spouse guideDisabled veteran? Stack the SAH grant on your Newport News 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 Newport News — answered.
FHFA sets conforming loan limit values by county. Newport News is in Newport News City (FIPS 51700), whose 2026 one-unit value is $832,750 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 Newport News 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 Newport News — zero down, no PMI, and a 100% funding-fee waiver, subject to eligibility verification.