Raleigh · VA / Military
VA and Military Buyers in Raleigh, NC
VA financing and PCS timing explained plainly, with the search and the closing built around your report date.
A Quick Note
This page is general information, not legal, tax, or lending advice. VA loan rules and tax rules change, and only the VA, your lender, and the county tax office can decide what applies to you. I am a real estate professional, and my part is the search, the contract, and keeping your timeline on track.
VA and Military Buyers in Raleigh
If you are deciding between Raleigh and somewhere closer to Fayetteville and Fort Bragg, both are in my territory, so I can show you both. Local to Coastal Realty handles the house. I talk with your lender early so your offer fits what a VA loan requires, I walk every serious house with you, and I run the comps so you see what it is worth before you offer.
Wake County Veterans Services
Wake County Veterans Services is at 4401 Bland Road in Raleigh, 919-212-8387, with walk-in services from 9 a.m. to 4 p.m. on weekdays, plus satellite hours at the Northern Regional Center in Wake Forest and the Eastern Regional Center in Zebulon. Virtual and phone appointments are available on request. That office is the first stop for benefits questions and the place to get the property tax form below certified.
For health care, the VA's Durham system runs a Raleigh clinic at 8081 Arco Corporate Drive and a Garner clinic at 2700 Benson Road, both inside Wake County, with the medical center itself at 508 Fulton Street in Durham. If being near your clinic matters, tell me which one, and I will keep it in mind when we pick where to look.
Your VA Loan, in Short
According to the VA, a VA-backed purchase loan requires no down payment as long as the sales price does not exceed the appraised value, carries no private mortgage insurance, and has no prepayment penalty. You need a Certificate of Eligibility and must intend to live in the home. With full entitlement, the VA says you have no VA loan limit, as long as you can afford the loan and the appraisal supports the price.
Most borrowers pay a one-time funding fee: 2.15 percent for a first-use purchase loan with less than 5 percent down, which is $8,600 on a $400,000 loan. You are exempt if you receive VA compensation for a service-connected disability, along with a few other exemptions the VA lists. My page on buying a home with a VA loan covers entitlement, the appraisal, and paying your buyer's agent.
The $45,000 Exclusion, and the 2027 Revaluation
North Carolina excludes the first $45,000 of a home's appraised value from property tax for a veteran with a service-connected, permanent, and total disability, or one who has received specially adapted housing benefits, and an unremarried surviving spouse can qualify. The home has to be your permanent residence. Get Form NCDVA-9 certified, then file it with Form AV-9 by June 1.
Wake makes the filing easy. Its tax office takes the application online, by email to taxhelp@wake.gov, by mail, or in person at 301 S. McDowell St., Suite 3800, and asks for your honorable discharge certificate plus the disability or adapted housing certification. Wake also says it may consider a late application through the end of 2026 for reasons such as illness, hospitalization, a death in the family, or military deployment.
At Wake County's 2026 combined rate of 0.9091 per $100 of value in Raleigh, that exclusion is worth about $409 a year. The exclusion is a fixed dollar amount of value, so when Wake County's revaluation takes effect January 1, 2027, the rest of your assessment can move while the $45,000 stays the same. I confirm the district on every address.
Retirement Pay and North Carolina
North Carolina lets you deduct military retirement pay on your state return if you served at least 20 years or were medically retired under 10 U.S.C. Chapter 61. If you do not meet either test, ask a tax professional before you count on it.
How I Work With You
We sign a written buyer agreement before touring, as the National Association of REALTORS has required of MLS participants since August 17, 2024. A VA-approved appraiser checks value and the VA's minimum property requirements, and I still recommend a full inspection, because the inspector works for you. I walk you through the North Carolina contract line by line and keep the inspection, the appraisal, and the closing attorney on schedule. On orders? See VA and military buyers in Fayetteville for PCS timing. Read buying a home in Raleigh and my Raleigh guide, then call me.
Sources
The rules and figures above come from these sources, checked in October 2026. VA fees, tax rules, and rates change, so your lender and the tax office have the final word.
- Wake County Veterans Services
- U.S. Department of Veterans Affairs, VA Durham health care locations
- Wake County Tax Administration, property tax relief programs
- U.S. Department of Veterans Affairs, VA-backed purchase loans
- U.S. Department of Veterans Affairs, VA home loan limits and entitlement
- U.S. Department of Veterans Affairs, funding fee and closing costs
- N.C. G.S. 105-277.1C, disabled veteran homestead exclusion
- NC Department of Military and Veterans Affairs, veterans property tax relief
- Wake County, tax rates and fees
- Wake County, Revaluation 2027
- NC Department of Revenue, military retirement
- National Association of REALTORS, settlement FAQs, practice changes effective August 17, 2024
Frequently Asked Questions
Where is the veterans service office in Wake County?
Wake County Veterans Services is at 4401 Bland Road in Raleigh, 919-212-8387, with satellite hours in Wake Forest and Zebulon.
What is the disabled veteran exclusion worth in Raleigh?
North Carolina excludes the first $45,000 of appraised value. At Wake County's 2026 combined Raleigh rate of 0.9091 per $100, that is about $409 a year.
Do I need a down payment with a VA loan?
Not usually. The VA says no down payment is required as long as the sales price does not exceed the appraised value, though your lender still has to approve you.
Raleigh
What va / military looks like in Raleigh
Dix Park's 308 acres, more than 100 miles of greenway, free museums, and Research Triangle Park next door.
Dorothea Dix Park covers 308 acres, and the Capital Area Greenway system runs more than 100 miles across 28 trails.
General admission to the North Carolina Museum of Natural Sciences is free, and Research Triangle Park, whose 7,000 acres house hundreds of companies, sits next door.
VA / Military: keep exploring
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