Median Sale Price
$343,779
Texas statewide median — below the national $417,700 median
+0.9% YoYTexas · VA LoansVA Loans in Texas:
VA Loans in Texas:
Eligibility, Benefits & Assistance Programs
$0Down payment (full entitlement)
No PMINo monthly mortgage insurance
No limitLoan amount with full entitlement
2.15%Funding fee (first use, 0% down)
The short version
VA in Texas at a Glance
VA loans are a benefit earned through military service: eligible Texas veterans, active-duty service members, and qualifying spouses can buy with $0 down and no monthly mortgage insurance.
$0
Down payment (full entitlement)
0
Monthly mortgage insurance (no PMI)
Exempt
Funding fee for most disabled veterans
VA loans are guaranteed by the U.S. Department of Veterans Affairs and originated by VA-approved lenders like Intra-Mortgage. You'll need a Certificate of Eligibility (COE), and the home must be your primary residence and pass a VA appraisal. Texas is one of the best states in the country to use the benefit — it has one of the largest veteran populations, its own Veterans Land Board loan programs, and a property-tax exemption for disabled veterans that few states match.
Texas-specific note: Two Texas benefits stack with a VA loan: the Texas Veterans Land Board (VLB) offers veteran home-loan programs that can carry competitive terms, and Texas gives veterans with a 100% service-connected disability rating a total property-tax exemption on their homestead (partial exemptions apply at lower ratings, and surviving spouses may qualify). Confirm current eligibility with the VLB and your county appraisal district.
Texas housing market
Market Snapshot
Texas pairs a huge, varied housing market with one of the largest military and veteran communities in the country — a natural fit for the VA benefit.
Days on Market
68 days
Statewide average — inventory has grown, so buyers have negotiating room
Longer than 2024Veteran Population
Top 2
Texas has one of the largest veteran populations in the U.S.
Steady demandMilitary Bases
Many
Fort Cavazos, Joint Base San Antonio, Fort Bliss, NAS Corpus Christi & more
StatewideTexas's large military footprint — from Fort Cavazos and Joint Base San Antonio to Fort Bliss in El Paso — means PCS moves, first-time VA use, and reuse of the benefit are everyday business here. Growing inventory also helps: sellers are more open to VA offers and to covering repairs a VA appraisal flags.
Texas veteran benefits
Texas Programs That Stack With a VA Loan
These Texas veteran programs can work alongside a VA loan to lower your cost of buying and owning.
Texas Veterans Land Board (VLB) Home Loans
Texas General Land Office — Veterans Land Board
- Benefit
- State-backed veteran home loans with competitive terms
- Structure
- Texas veterans and military members purchasing a primary residence in Texas. Separate from the federal VA loan; eligibility and terms are set by the VLB.
Source: Texas General Land Office — Veterans Land Board · Verified Sep 8, 2026
Disabled Veteran Property-Tax Exemption
Texas Comptroller of Public Accounts
- Benefit
- Up to a full homestead exemption from property tax for 100%-rated disabled veterans; partial exemptions at lower ratings
- Structure
- Veterans with a service-connected disability rating; surviving spouses may qualify. Administered by county appraisal districts.
Source: Texas Comptroller of Public Accounts · Verified Sep 8, 2026
VA Funding Fee Exemption
U.S. Department of Veterans Affairs
- Benefit
- The one-time VA funding fee is waived
- Structure
- Veterans receiving VA disability compensation (10% or higher) and certain other eligible recipients.
Source: U.S. Department of Veterans Affairs · Verified Sep 8, 2026
Stack the benefits. A Texas veteran can combine the VA loan (0% down, no PMI) with a VLB program and — if disability-rated — both the funding-fee waiver and a property-tax exemption. Together those can make homeownership dramatically cheaper than a conventional path. Eligibility and program terms change, so we confirm each with the VA, the VLB, and your county before you rely on it.
Real scenarios
Texas VA Borrower Profiles
Common veteran and service-member situations we see in Texas — and how the VA benefit works for each.
Profile A
First-use active-duty buyer, San Antonio
Stationed at Joint Base San Antonio, buying a $330,000 home. Full entitlement, so $0 down. First use with no down payment means a 2.15% funding fee (financed into the loan) — unless a disability rating exempts it. No monthly mortgage insurance keeps the payment lower than a comparable FHA loan.
$0 downNo PMI~40 day close
Profile B
Disabled veteran, Fort Cavazos area
Rated 100% service-connected disabled, buying a $300,000 home near Killeen. The VA funding fee is waived, and a 100% rating qualifies for a total Texas property-tax exemption on the homestead — a large ongoing saving. We line up the COE and the exemption paperwork early.
Funding fee waivedProperty-tax exemption$0 down
Profile C
Reusing the benefit, PCS to Dallas–Fort Worth
Sold a prior VA-financed home and restored full entitlement, now relocating to DFW for a $420,000 purchase. VA has no loan limit with full entitlement, so the higher price is not a barrier. Subsequent use raises the funding fee unless exempt — we model it either way.
Entitlement restoredNo loan limitHigher funding fee
Profile D
Rate-lowering refinance, Houston
Already has a VA loan and wants a lower rate. A VA Interest Rate Reduction Refinance Loan (IRRRL, the VA Streamline) typically needs minimal documentation and no new appraisal in many cases. A small funding fee may apply unless exempt.
IRRRL / VA StreamlineMinimal paperwork30–40 day close
Run the numbers
Texas VA Payment Estimator
Estimate your monthly payment. VA has no monthly mortgage insurance — the one-time funding fee is financed into the loan, so it lifts principal & interest but there is no recurring MI.
Texas median: $343,779 · VA: no loan limit with full entitlement
Rates vary by credit, lender, and market
Monthly P&I
$2,220
Principal & interest
VA Funding Fee
$7,391
One-time, financed into the loan
Total Monthly
Talk to a loan officer$2,220
P&I only — no monthly MI
Estimates only. The VA funding fee shown is the first-use rate for the selected down payment and is waived for most veterans with a service-connected disability; subsequent use is higher. No monthly mortgage insurance. Does not include property tax (a disabled-veteran exemption may apply in Texas), homeowner's insurance, or HOA dues. Not a commitment to lend.
Answers to real questions
Texas VA Loan FAQs
From the field
A Texas Loan Officer's Take on VA
"Texas is one of the best places in the country to use the VA benefit, and a lot of veterans leave money on the table. Between $0 down, no monthly MI, the VLB programs, and — for disability-rated veterans — a waived funding fee and a property-tax exemption, the total cost can be far below a conventional path. My job is making sure every benefit you've earned actually gets applied."
Keshabi Acharya
Senior Loan Officer, Intra-Mortgage — Licensed in OH, PA, TXKeshabi works with Texas veterans and active-duty service members across the state's major installations — from Joint Base San Antonio to Fort Cavazos and Fort Bliss — and specializes in stacking VA benefits with Texas veteran programs.
What to watch for on Texas VA files:
- Certificate of Eligibility and remaining entitlement — confirmed before the offer
- Funding-fee exemption status for disability-rated veterans
- Property-tax exemption paperwork with the county appraisal district
Sources & references
Where these figures come from
- VA-backed home loan eligibility, entitlement, and the VA funding feeU.S. Dept. of Veterans Affairs
- TDHCA homebuyer assistance and the Texas veteran home-loan optionsTexas Dept. of Housing (TDHCA)
- Texas Veterans Land Board (VLB) Home LoansTexas General Land Office — Veterans Land Board
- Disabled Veteran Property-Tax ExemptionTexas Comptroller of Public Accounts
- VA Funding Fee ExemptionU.S. Department of Veterans Affairs
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