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Holmes County, Florida VA Home Loan Info

va home loan limitsThe 2021 $0 down, VA home loan limit for Holmes County is $548,250.

Established in 1848, Holmes County is situated on the Florida Panhandle. With a total area of 479 square miles of land and 10 square miles of water, Holmes is the fifth smallest county by size in the state; The County is home to 19,927 residents. The name of the county has been the cause of periodic miniature controversy with debate regarding the true etymology of the name Holmes. Some sources claim the county is named for Holmes Creek on the boundary of its eastern border; others attribute it to settler Thomas J. Holmes; perhaps the most popular of the folklores surrounding the name concerns a Half American, Half Creek Indian chief named Holmes who was killed by a raiding party under the command of Andrew Jackson during the first Seminole War. Following the Civil War, the county gained a small measure of notoriety as being home to the tri-racial group known as the Dominickers, a group with a lineage that traced back to Europe, Africa and the Euchee Indian tribe.

The county seat and largest city of Holmes is Bonifay. Four public schools are found in the city. The county has three sites that show up on the national register of historic places, the Keith Cabin in Pittman, The Waits Mansion in Bonifay and Vortex Spring in Northern Ponce De Leon. In the unincorporated community of Bethlehem, the WTVY-TV-Tower is located; this tower is the tallest structure in the state and one of the highest in the entire country.

The veteran population of Holmes County is approximately 2,000. Veteran homeowners in Holmes County may qualify for a property tax exemption. An exemption of $5,000 is available to veterans who suffered a service-related injury that has rendered them ten percent or more disabled. Veterans with a 100 percent disability are entitled to a complete property tax exemption.

Apply for a VA home loan in Holmes County by following this link!

Maximum VA Appraisal Fees Allowable In Holmes County

  • Single Family: $425
  • Condominium: $425
  • Manufactured Housing: $425
  • Duplex $500
  • Triplex: $550
  • Fourplex: $600
  • Repair Certification: $100

Holmes County Property Search

The VA HLC property search can be used for the following areas:

Bonifay, Ponce De Leon, Westville, Esto, Noma, Hewitt’s Bluff, Bethlehem, Prosperity, Gritney, Cerro Gordo, Pittman

Holmes County VA Approved Condos

Currently, there are no VA approved condos in Holmes County. For assistance with a condo approval, project contact VA Home Loan Centers immediately at 888-573-4496.


  1. Florida VA Loan Information: https://www.vahomeloancenters.org/florida-va-home-loan-limits/
  2. VA Loan Information by State: https://www.vahomeloancenters.org/va-loan-limit-maximum-va-loan-amount/