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.
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