VA loans in Madison.
The Dane County figure on this page is a county reference only, not an address-based lookup for Madison. Confirm the property's county, and which local offices serve the address, before relying on it.
Dane 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. · Dane County (FIPS 55025)
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.
Dane County carries a $832,750 one-unit conforming loan limit value for 2026, and that is the county figure we reference for Madison. 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 assumptionMadison property look-up: assessor, treasurer and special assessments are different offices
The City of Madison Assessor's Property Look-up allows searches by owner name as well as address. The office lists separate contacts for assessments and address changes, property tax exemptions, property tax bills (City Treasurer) and special assessments (Finance).
That split matters when reviewing a purchase. Practical step: use the look-up to check the parcel's assessment, then ask the Treasurer about current tax status and Finance about any special assessments on the parcel, rather than assuming the assessment record shows everything owed. The Assessor's Office is in the City-County Building, Room 103, open weekdays 8 a.m. to 4:30 p.m., and exemption questions use a separate email from general assessment questions.
Madison's lead service line inventory: no known lead lines, with a data caveat
Madison Water Utility says it replaced more than 8,000 known lead service lines between 2000 and 2012. As of November 4, 2025, it reports no known lead service lines. However, it says its pipe material data comes from historic permit, tap, meter and repair records and may contain minor inaccuracies. Plumbing inside the home is the owner's responsibility.
The utility says owners who find a lead water service may be eligible for a rebate of up to $3,000 toward replacement. Practical step: in an older Madison home, have the pipe entering the house checked during inspection, and contact the utility if lead is found. By 2012, the utility says, all known lead lines had been replaced with copper, but lead services are still occasionally found.
- FHFA — Conforming loan limit values
- City of Madison Assessor — Property Look-up
- City of Madison Water Utility — Lead Service Line Inventory
- 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 WI.
$0 down in Madison. 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 WI veterans qualify.
Zero down, no PMI, and a 100% funding-fee waiver on a home in Madison, subject to eligibility verification and Certificate of Eligibility issuance.
Surviving spouse guideDisabled veteran? Stack the SAH grant on your Madison 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 Madison — 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 Madison is Dane County (FIPS 55025), 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 Madison 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 Madison — zero down, no PMI, and a 100% funding-fee waiver, subject to eligibility verification.