Texas VA Loan Calculator
Calculate your Texas VA home loan payment with 0% down and no PMI. See how the VA funding fee is calculated, check exemption eligibility, and compare scenarios instantly.
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🧮 VA Loan Details
Subsequent use has a higher funding fee (3.3% vs 2.15% with 0% down)
Exemption saves thousands at closing — verify with your VA Certificate of Eligibility
Your VA Loan Payment
*Estimates only. Actual rates depend on credit, entitlement, and lender. Serving Texas & 30+ States.
Maximize Your Texas VA Loan Benefits
Adam Bartling is a retired Army Captain who understands the VA loan process from the inside. Let him help you navigate entitlement, exemptions, and lender options — no upfront credit check.
LET’S TALKTexas VA Home Loan Guide
Texas has the second-largest veteran population in the nation with major installations including Fort Hood, Fort Sam Houston, Fort Bliss, and Lackland AFB. Here’s what Texas veterans need to know about VA home loans.
🏛️ Texas VA Loan Limits in 2025
Texas veterans with full VA entitlement have no VA loan limit — they can purchase any home a lender will approve regardless of price. This is especially powerful in high-growth Texas markets like Austin, where median home prices have risen significantly. Loan limits only apply if you have reduced entitlement from a prior VA loan that has not been fully restored. Most Texas counties have a conforming loan limit of $806,500 for 2025.
🎖️ Texas Military Installations & VA Loan Demand
Texas is home to some of the largest military installations in the country. Fort Hood (Killeen) is the most populous U.S. Army post. Fort Sam Houston and Lackland AFB anchor the San Antonio military community. Fort Bliss serves El Paso. Each of these metros has strong demand for VA home loans, robust housing inventory, and active duty service members frequently receiving PCS orders who need fast closings. We specialize in all of these Texas military markets.
🏠 Texas Property Tax & VA Exemptions
Texas property taxes average 1.8% to 2.5% annually — among the highest in the nation. However, Texas veterans with a service-connected disability may qualify for significant property tax exemptions. Veterans with a 100% disability rating may qualify for a complete property tax exemption on their Texas homestead. Partial exemptions are available based on disability percentage. These savings can dramatically reduce the total cost of homeownership for disabled Texas veterans.
⚡ Texas Veterans Land Board (VLB) Programs
The Texas Veterans Land Board offers additional home loan programs specifically for Texas veterans that can work alongside a VA loan. The VLB Veterans Housing Assistance Program (VHAP) provides below-market interest rates for qualifying Texas veterans purchasing a primary residence. These programs are available to veterans who have served 90 days of active duty and were honorably discharged. Ask us how a VLB program might stack with your VA benefit to maximize your savings.
Why VA Loans Are Often the Best Option for Texas Veterans
The VA loan benefit is one of the most powerful financial tools available to eligible veterans and service members.
💰 0% Down Payment
No down payment is required with full VA entitlement. Buy a $400,000 Texas home without depleting your savings. This is the single most significant financial advantage of the VA loan benefit.
🚫 No PMI — Ever
VA loans never require PMI, even with 0% down. On a $350,000 Texas home with 0% down, a conventional loan would require $150–$300/month in PMI until you reach 20% equity. VA eliminates this cost entirely.
📉 Competitive Rates
VA loans are government-backed, which reduces lender risk and typically results in rates 0.25%–0.5% lower than conventional loans. Over 30 years, that difference can save tens of thousands of dollars.
🎖️ Funding Fee Exemption
Veterans with 10%+ service-connected disability, Purple Heart recipients, and surviving spouses receiving DIC are exempt from the funding fee — saving thousands at closing. Check your VA Certificate of Eligibility.
🔄 Reusable Benefit
Your VA benefit can be used multiple times in Texas. You can even have two VA loans simultaneously during a PCS move. Entitlement is restored after selling and paying off a home purchased with a VA loan.
🏗️ VA Construction Loans
Texas veterans can also use their VA benefit to build a new home with a VA construction loan. Build in the Texas Hill Country, San Antonio suburbs, or anywhere in the state while using your earned benefit.
VA Funding Fee Chart (2025)
The funding fee is the only VA-specific cost — and it can be financed into the loan or waived entirely for exempt veterans.
| Down Payment | First Use | Subsequent Use | Exempt? |
|---|---|---|---|
| 0% Down | 2.15% | 3.30% | 0% (save $7,525+) |
| 5–9.99% Down | 1.50% | 1.50% | 0% (if exempt) |
| 10%+ Down | 1.25% | 1.25% | 0% (if exempt) |
Funding fee can be financed into the loan — no out-of-pocket cost required at closing.
Texas VA Loan FAQ
Common questions about VA home loans in Texas from veterans and active-duty service members.
What is the VA funding fee for a Texas home loan?
The VA funding fee sustains the VA loan program. For first-time use with 0% down in Texas, it is 2.15% of the loan amount. It drops to 1.50% with 5% down and 1.25% with 10% down. Subsequent use with 0% down carries a 3.30% fee. It can be financed into your loan so there is no out-of-pocket cost. Veterans with 10%+ service-connected disability, Purple Heart recipients, and DIC-receiving spouses are exempt.
Can I get a VA loan with no down payment in Texas?
Yes. With full VA entitlement, there is no down payment required on a Texas VA home loan and no loan amount cap. You can purchase a home in Houston, San Antonio, Dallas, Austin, or any Texas market without a down payment — as long as a lender approves the loan based on your income and credit.
Do VA loans require PMI in Texas?
Never. VA loans do not require PMI at any down payment level. This can save Texas veterans $150 to $400 per month compared to a conventional loan with less than 20% down. On a $350,000 home over 7 years before reaching 20% equity, that’s $12,600 to $33,600 in PMI savings.
Who qualifies for a VA loan in Texas?
Eligibility requires meeting one of: 90 consecutive active-duty days during wartime, 181 days during peacetime, 6 years in the National Guard or Reserves, or surviving spouse of a veteran who died in service or from a service-connected disability. Texas has large eligible populations near Fort Hood (Killeen), Fort Sam Houston (San Antonio), Fort Bliss (El Paso), and Lackland AFB.
Can I use my VA loan benefit more than once in Texas?
Yes. Your VA benefit is reusable. You can have two VA loans simultaneously in certain situations such as a PCS move in Texas. Entitlement is restored after selling and fully paying off a previous VA loan. Note that the funding fee increases to 3.3% for subsequent use with 0% down — the funding fee exemption still applies if you qualify.
What are Texas VA loan limits in 2025?
Texas veterans with full entitlement have no VA loan limit — they can borrow as much as a lender approves. Limits only apply with reduced entitlement from an active VA loan. Most Texas counties have a 2025 conforming limit of $806,500. Veterans purchasing in high-value Texas markets like Austin or the Dallas suburbs can still use their VA benefit with no cap on full entitlement.
What is the VA IRRRL and can I use it in Texas?
The VA IRRRL (Interest Rate Reduction Refinance Loan), also called the VA Streamline, lets Texas veterans with an existing VA loan refinance to a lower rate with minimal paperwork and usually no appraisal. It is one of the fastest and most borrower-friendly refinance programs available. Texas veterans who got their loan in 2022–2023 at rates above 6.5% should evaluate it now.
Why choose a veteran mortgage broker for my Texas VA loan?
Adam Bartling is a retired Army Captain who has personally navigated the military transition. He understands BAH, PCS timelines, VA entitlement, and disability exemptions — and shops multiple lenders so they compete for your VA loan. Unlike a single bank, a broker gives you better rates and more options. No upfront credit check. Same dedicated team from application to closing.
About the Author
Adam Bartling — VA Loan Specialist & Retired U.S. Army Captain
Adam Bartling is a retired Army Captain and licensed Texas Loan Officer (NMLS #2213358) with Movement Mortgage (NMLS #39179). He specializes in VA loans, VA construction loans, VA IRRRL refinances, FHA, conventional, and DSCR investor loans across Texas and 30+ states. As a veteran himself, Adam understands the unique financial challenges of military service members — from PCS timelines to disability exemptions — and he shops multiple lenders to find the best VA loan terms for each client.
Ready to Use Your Texas VA Loan Benefit?
Adam Bartling & Team will shop multiple lenders to find your best Texas VA loan rate. Veteran helping veterans — no obligation, no upfront credit check.
LET’S TALKAdam Bartling & Team | NMLS #2213358 | Movement Mortgage NMLS #39179 | movement.com/lo/adam-bartling | Estimates provided for informational purposes only. Not a commitment to lend. Rates and terms subject to change. Equal Housing Lender.