Texas VA Loans 2026
Thank you for your service. Texas veterans can buy a home with $0 down payment and no PMI. Combined with Texas's no state income tax, VA loans help you maximize your BAH in Houston, Katy, Sugar Land, and beyond.
Yes, eligible Texas veterans can buy a home with zero down payment and no PMI, with no VA loan limit for those with full entitlement. Combined with Texas's no state income tax, a VA loan is often the strongest option for veterans buying in Houston, San Antonio, Dallas–Fort Worth, and Austin.
Do you need a down payment for a VA loan in Texas?
Honoring Texas veterans with homeownership through VA financing
Can I use a VA loan near Texas military bases?
Yes — VA loans are ideal for buying near any Texas military base, from Fort Cavazos to Joint Base San Antonio. Whether you're active duty, transitioning, or retired, we help Texas veterans find homes near bases and in family-friendly communities like Katy and Sugar Land.
What cities can I use a VA loan in across Texas?
You can use a VA loan in every Texas city and county — there are no location restrictions statewide. Choose your region for local VA loan guidance, county loan limits, and market insights:
Houston Metro
Harris, Fort Bend & Montgomery counties near JBSA and Ellington Field.
Learn MoreDallas–Fort Worth
DFW metroplex serving NAS Fort Worth JRB military families.
Learn MoreSan Antonio
Military City USA and Joint Base San Antonio community.
Learn MoreAustin Metro
Travis, Williamson & Hays counties across the Hill Country.
Learn MoreCentral Texas
Fort Cavazos, Killeen, Waco and the Temple–Belton corridor.
Learn MoreRio Grande Valley
McAllen, Edinburg, Mission and the greater RGV.
Learn MoreWhat are the benefits of a VA loan in Texas?
A VA loan in Texas offers zero down payment, no monthly PMI, and competitive rates — and Texas's lack of a state income tax stretches your BAH and take-home pay even further. Here's what makes it stand out:
Zero Down Payment
Keep your savings for moving costs, furniture, or emergencies. Buy with $0 out of pocket for down payment.
No PMI - Ever
Unlike conventional loans, VA loans never require private mortgage insurance. Save $200-$400/month.
No Texas Income Tax
Texas has no state income tax, maximizing your BAH and take-home pay for mortgage qualifying.
Texas Vet Benefits
Combine with Texas Veterans Land Board programs and property tax exemptions for disabled veterans.
Competitive Rates
VA loans typically offer rates 0.25-0.5% lower than conventional loans due to government backing.
Reusable Benefit
Use your VA benefit multiple times. PCS moves, upgrades, or investment - your benefit restores.
What are today's VA loan rates in Texas?
Below is today's live 30-year fixed VA rate, pulled from our daily rate sheet. Texas veterans get the same competitive VA pricing statewide — your final rate depends on your credit, loan amount, and property.
Today’s 30-Year Fixed VA Rate
VA – Primary Residence
Rate Assumptions
30 year fixed, $300k loan amount, $400k value, purchase, FICO Credit Score 759, Zipcode 95111
APR & Disclosures
The Annual Percentage Rate (APR) shown reflects the cost of credit over the loan term, including applicable fees, and is based on the assumptions above. Your actual rate and APR depend on your credit profile, loan amount, property, occupancy, and other factors. For information purposes only and does not constitute a loan approval or commitment to lend. Rates are subject to change without notice.
Can I get a VA loan in Houston, San Antonio, or Dallas?
Yes. VA loans are available throughout Texas, including all major metros — Houston, San Antonio, Dallas–Fort Worth, and Austin — as well as smaller cities and rural areas, where a USDA loan for rural Texas can also offer zero down. Wherever you buy in Texas, the same $0-down, no-PMI VA benefit applies.
What credit score do I need for a VA loan in Texas?
The VA itself sets no minimum credit score. Most lenders look for around 620, though some work with lower scores depending on the rest of your profile. A stronger score generally helps you secure a better rate. As a Texas mortgage broker who shops your VA loan across lenders, I can find one whose overlays fit your credit profile.
Can I use my VA loan benefit more than once in Texas?
Yes. Your VA entitlement is reusable — once you pay off a VA loan, your full entitlement is restored and can be used again. That makes the benefit valuable for PCS moves, upgrades, and future purchases across Texas.
What Texas veteran benefits can I combine with a VA loan?
Texas offers extra veteran benefits that can pair with your VA loan, including Texas Veterans Land Board (VLB) loans and property tax exemptions for disabled veterans (up to 100%). Combined with Texas's no state income tax, these programs stretch your buying power even further.
Calculate Your Texas VA Payment
See how much home you can afford with your BAH. Our VA calculator shows your payment with $0 down and no PMI.
Open VA CalculatorTexas VA Loan FAQs
Is there a VA loan limit in Texas?
For veterans with full VA entitlement, there is no loan limit in Texas as of 2020. You can purchase any home with $0 down regardless of price. Veterans with reduced entitlement may have county-based limits.
What are the VA loan requirements in Texas?
Texas VA loan requirements include: valid Certificate of Eligibility (COE), minimum 620 credit score (lender requirement), sufficient income with DTI under 41%, and the property must be your primary residence. Texas has no state income tax, helping veterans qualify.
Can I use VA loan in Katy or Sugar Land, Texas?
Yes! VA loans are available throughout Texas including Katy, Sugar Land, and all Houston suburbs. These areas have excellent schools and family-friendly communities popular with military families transitioning from nearby bases.
What Texas veteran benefits can I combine with my VA loan?
Texas offers excellent veteran benefits including: no state income tax, Texas Veterans Land Board loans, property tax exemptions for disabled veterans (up to 100%), and VLB Home Improvement loans. These can supplement your VA home loan.
Explore More Texas Loan Options
Ready to Use Your VA Benefit?
Get pre-qualified for your Texas VA loan in minutes. We'll verify your eligibility and show you exactly how much home you can afford.
Estimate Your VA Loan Payment
Adjust the numbers below for an estimated monthly payment on a VA purchase loan — with $0 down, the VA funding fee built in, and no monthly mortgage insurance.
From the blog & learning center
VA Loan Guides & Articles
Assumable Mortgages: How to Take Over a VA or FHA Loan
An assumable mortgage lets a buyer take over a seller's VA, FHA, or USDA loan and its low rate. Learn the costs, the equity gap, and how to finance it.
Read more
Gift Funds: The Rules for Down Payment Gifts
A family member can give you money for your down payment, and on most loan types the entire down payment can be a gift. The key rules: it has to be a true gift with no repayment expected, it must come from an acceptable source, and it has to be documented with a gift letter and a clear paper trail.
Read moreSeller Concessions: How Much Can the Seller Pay?
A seller concession is when the seller agrees to pay part of your closing costs as a term of the sale. It's a legitimate, common way to reduce your cash to close, and depending on the loan type and your down payment, a seller can contribute anywhere from 2% to 9% of the purchase price toward your costs.
Read moreWhat Credit Score Do You Need for Each Loan Type?
The minimum credit score depends entirely on the loan program: FHA goes as low as 500-580, VA and USDA have no federal minimum (lenders typically want 580-640), conventional generally starts around 620, and jumbo loans want 700 or higher. Here's the breakdown by program.
Read more
How Can You Buy a House With No Money Down?
Two true zero-down loans exist: VA for veterans and military, and USDA for eligible rural and suburban homes. A few other paths get you close.
Read more
What does a VA renovation loan really involve?
A VA renovation loan lets an eligible veteran buy or refinance a home and finance non-structural repairs into the same VA loan with no down payment. The main hurdle is finding a lender who offers it.
Read more