$0 Down · No PMI · Veteran-Owned
VA Loans in Texas
Texas is the heavyweight of military America: 1.5 million veterans, the Army's largest armored post at Fort Cavazos, Fort Bliss's air-defense and armored might in El Paso, Joint Base San Antonio's tri-mission sprawl — every Air Force recruit, every military medic — plus fighter training at Sheppard, bombers at Dyess, intelligence at Goodfellow, pilots at Laughlin, naval aviation at Corpus Christi and Kingsville, and more.
1,538K
Texas Veterans
12
Military Installations
$0
Down Payment
$832,750
2026 Baseline Limit
Why Texas
A VA team that knows Texas’s military markets
No state income tax, aggressive homestead protections, and military-town price points from Killeen to Wichita Falls that rank among the nation's most affordable — Texas is where the $0-down VA loan does maximum work. Killeen and San Antonio consistently rank among America's top VA-lending markets.
Killeen, Harker Heights, Copperas Cove, Temple, and Belton form the Fort Cavazos market — one of the two or three highest VA-volume metros in the nation. San Antonio's northeast corridor (Universal City, Schertz, Cibolo, Converse) rings JBSA-Randolph while the northwest serves Lackland and Fort Sam Houston's medical campus. El Paso's east side grows with Fort Bliss, Fort Worth pairs NAS JRB with the Alliance corridor, and Sheppard, Dyess, Goodfellow, Laughlin, Corpus, Kingsville, and Red River anchor their respective cities.
Beyond the Loan
More Texas benefits you earned
The VA loan is one piece of what Texas owes its veterans. Here’s the rest of the stack — worth real money every year:
Education
Hazlewood Act
Up to 150 credit hours of tuition exemption at Texas public colleges for qualifying Texas veterans — with unused hours transferable to a child (Legacy). One of the best state education benefits in America.
Income Tax
No state income tax
Texas taxes no income — retirement, disability, and wages all untouched.
Vehicle
DV plates & registration
Deeply discounted DV plates and registration for qualifying disabled veterans.
Recreation
Parklands Passport
Free state park entry for qualifying 60%+ disabled veterans; free or discounted hunting/fishing packages (Super Combo) for qualifying disabled Texans.
Benefit rules and amounts change with each legislative session — confirm current details with the Texas Veterans Commission. When you work with us, we walk through which of these apply to your purchase and your budget.
Official VA Data
Texas VA lending, by the numbers
54,990
VA Loans Closed (FY2025)
$20.9B
VA Dollars Guaranteed (FY2025)
$381K
Average VA Loan
1,538,426
Veterans in TX
Texas veterans closed 54,990 VA loans in fiscal year 2025 — 43,211 of them home purchases — and the VA paid $16.9 billion in disability compensation and pension to Texas veterans in FY2024. Every veteran receiving that compensation is exempt from the VA funding fee.
Sources: VA Loan Guaranty loans-by-state report, FY2025 · VetPop2023 state projections (NCVAS) · VA Geographic Distribution of Expenditures, FY2024.
Exclusive to Texas Veterans
The Texas Vet Loan (VLB) — the other loan every Texas veteran should price
Texas runs its own veteran loan program through the Veterans Land Board: below-market fixed rates on loans up to the conforming limit, an extra 0.50% rate discount for veterans with a 30%+ VA disability rating, and land and home-improvement loans the federal VA doesn't offer. It can be used alongside your federal VA benefits — sometimes the VLB rate wins, sometimes federal VA does. We price both side by side on every Texas purchase so you take whichever is cheaper.
Bases We Serve
Military installations in Texas
Every installation below anchors a housing market our team lends in — PCS moves, first purchases on BAH, and buy-then-rent strategies included.
Joint
Joint Base San Antonio (Lackland / Randolph / Fort Sam Houston)
Serving San Antonio · Universal City · Schertz · Converse
VA loan guide →
Army
Fort Cavazos
Serving Killeen · Harker Heights · Copperas Cove
VA loan guide →
Army
Fort Bliss
Serving El Paso
VA loan guide →
Navy
NAS JRB Fort Worth
Serving Fort Worth · White Settlement
VA loan guide →
Air Force
Sheppard Air Force Base
Serving Wichita Falls
VA loan guide →
Air Force
Dyess Air Force Base
Serving Abilene
VA loan guide →
Air Force
Goodfellow Air Force Base
Serving San Angelo
VA loan guide →
Air Force
Laughlin Air Force Base
Serving Del Rio
VA loan guide →
Navy
NAS Corpus Christi
Serving Corpus Christi
VA loan guide →
Navy
NAS Kingsville
Serving Kingsville
VA loan guide →
Joint
Ellington Field JRB
Serving Houston
VA loan guide →
Army
Red River Army Depot
Serving Texarkana
VA loan guide →
2026 BAH Rates
Compare BAH across Texas’s installations
BAH is set per housing area, not per state — and it counts as qualifying income on a VA loan. Here’s how Texas’s duty stations compare at key pay grades.
| Installation | E-4 | E-5 | E-6 | E-7 | O-3 |
|---|---|---|---|---|---|
| Joint Base San Antonio (Lackland / Randolph / Fort Sam Houston) | $1,728 | $1,869 | $2,094 | $2,112 | $2,127 |
| Fort Cavazos | $1,662 | $1,695 | $1,920 | $2,070 | $2,340 |
| Fort Bliss | $1,665 | $1,809 | $2,148 | $2,172 | $2,202 |
| NAS JRB Fort Worth | $1,938 | $2,118 | $2,424 | $2,445 | $2,460 |
| Sheppard Air Force Base | $1,392 | $1,491 | $2,112 | $2,190 | $2,325 |
| Dyess Air Force Base | $1,458 | $1,554 | $2,214 | $2,238 | $2,253 |
| Goodfellow Air Force Base | $1,455 | $1,578 | $1,836 | $1,965 | $2,193 |
| Laughlin Air Force Base | $1,371 | $1,470 | $1,704 | $1,854 | $2,121 |
| NAS Corpus Christi | $1,644 | $1,788 | $2,217 | $2,310 | $2,475 |
| NAS Kingsville | $1,644 | $1,788 | $2,217 | $2,310 | $2,475 |
| Ellington Field JRB | $1,974 | $2,193 | $2,517 | $2,583 | $2,700 |
| Red River Army Depot | $1,476 | $1,590 | $1,896 | $1,968 | $2,097 |
2026 monthly BAH, with dependents, from official DoD (DTMO) rate data. Click any installation for all 24 pay grades, without-dependents rates, and a payment-vs-BAH estimator for that housing area.
2026 Program Facts
What the VA loan gets you in Texas
$0 Down Payment
Buy with no down payment on loans within your entitlement — the signature VA benefit.
No PMI
VA loans never charge monthly private mortgage insurance, keeping payments lower than FHA or low-down conventional.
Competitive Rates
The VA guaranty lets lenders price VA loans below comparable conventional rates for most borrowers.
Flexible Credit
The VA sets no minimum credit score — guidelines focus on residual income and the whole picture.
Limited Closing Costs
The VA restricts which fees veterans can be charged, and sellers may pay all of them plus concessions.
Reusable for Life
VA entitlement is a lifetime benefit — it can be restored and reused, and you can hold more than one VA loan at once.
VA loan vs. conventional in Texas
| Feature | VA Loan | Conventional |
|---|---|---|
| Down payment | $0 required | 3–20% (20% to avoid PMI) |
| Monthly mortgage insurance | Never | Required under 20% down |
| Minimum credit score | None set by VA | Typically 620+ |
| Interest rates | Typically below conventional | Higher without large down payment |
| Upfront fee | Funding fee 2.15% first use (waived with disability rating) | None |
| Prepayment penalty | Never | Rare, but possible |
| Loan limit | None with full entitlement | $832,750 baseline (2026) |
| Assumable by a buyer | Yes — VA loans are assumable | Generally not |
2026 VA loan limits in Texas
With full entitlement, the VA does not cap your loan amount — county loan limits only apply when you have reduced entitlement (an existing VA loan or a prior default). For reduced-entitlement borrowers, the 2026 baseline county limit is $832,750, and designated high-cost counties range up to $1,873,675.
The VA funding fee, plainly
- First use, under 5% down: 2.15%
- Subsequent use, under 5% down: 3.30%
- With 5% down: 1.50% · with 10% down: 1.25%
- Streamline refinance (IRRRL): 0.50%
Veterans receiving VA disability compensation at any rating are fully exempt from the funding fee, as are eligible surviving spouses and Purple Heart recipients on active duty.
Where We Lend
Texas cities we serve
From base-gate communities to the metros veterans choose after service, these are the Texas markets where our VA lending is most active.
- San Antonio~$251K
- Universal City~$268K
- Schertz~$317K
- Cibolo~$337K
- Converse~$244K
- New Braunfels~$351K
- Killeen~$221K
- Harker Heights~$300K
- Copperas Cove~$228K
- Temple~$250K
- Belton~$317K
- El Paso~$238K
- Fort Worth~$300K
- White Settlement~$221K
- Wichita Falls~$178K
- Abilene~$222K
- San Angelo~$218K
- Del Rio~$213K
- Corpus Christi~$227K
- Kingsville~$146K
- Houston~$265K
- Texarkana~$203K
- Austin~$508K
- Dallas~$311K
Typical home values: Zillow Home Value Index, 2026-06.
Straight Answers
Texas VA loan questions, answered
Is there a VA loan limit in Texas?
Not with full entitlement. With reduced entitlement, every Texas county uses the 2026 baseline of $832,750 — comfortably above typical prices in every Texas military market including San Antonio and Fort Worth.
Where do Fort Cavazos families buy?
Harker Heights for schools and established neighborhoods, Killeen for value and proximity, Copperas Cove for small-town prices, Belton and Temple for the I-35 corridor. This market closes more VA loans than almost anywhere in America — every player in it knows the process.
What's the best corridor for a JBSA assignment?
Randolph-side: Universal City, Schertz, Cibolo, and Converse. Lackland/Fort Sam: Alamo Ranch and the northwest side. New Braunfels splits San Antonio and Austin. All are high-volume VA territory with new-construction incentives common.
Is El Paso a good buy for a Fort Bliss tour?
Among the most affordable big-city markets in America — east-side new construction near the gates prices well inside mid-grade BAH, and Bliss's expanding missions sustain rental demand for the buy-then-rent pattern.
How do Texas property taxes square with no income tax?
Rates are high, but homestead caps limit annual increases — and disabled-veteran exemptions erase some or all of the bill: 100% rated vets pay zero. We compute the true post-exemption payment on every home you consider.
Ready When You Are
Start your Texas VA loan with a team that’s worn the uniform
Get a clear pre-approval, honest numbers, and a VA process handled by people who understand PCS timelines and military life firsthand.