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.
Honoring Texas veterans with homeownership through VA financing
Serving Veterans Near Texas Military Bases
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.
Explore VA Loans by Texas Region
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 MoreWhy Texas Veterans Love VA Loans
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.
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.
From the blog & learning center
VA Loan Guides & Articles
Can I get approved through manual underwriting when the AUS says no?
Yes, manual underwriting is a real second path to approval when the automated system returns a refer or a denial, on the condition that you have compensating factors strong enough to offset whatever the software flagged.
Read more
First-Time Homebuyer Loan Options Explained
First-time buyers have more loan options than most people realize, ranging from zero down payment programs to specialized conventional products built specifically for buyers with limited savings.
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Assumable Mortgages: The Time Machine of Real Estate
Discover how assumable mortgages let you take over a seller's low-rate FHA or VA loan. Learn the equity gap math, servicer timelines, and whether this strategy makes sense for your situation.
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The Ultimate Guide to VA Home Loan Benefits: Honoring Your Service Through Homeownership
Discover the unmatched benefits of VA home loans for veterans, active-duty service members, and surviving spouses. Learn about $0 down payment, no PMI, eligibility requirements, the funding fee, and specialized VA loan programs.
Read more
The Complete Guide to First-Time Home Buyer Programs in 2026
Discover the surprising definition of a "first-time buyer," explore the best low-down-payment loan programs (FHA, VA, USDA, Conventional 97), and learn how to leverage state grants to get into your new home sooner.
Read more