VA Loan Calculator for Texas (TX) — Free Calculator

VA Loans in Texas

VA loans allow eligible veterans and active-duty service members to buy a home in Texas with no down payment. On the median Texas home of $310,000, that's the full $310,000 financed — no down payment required.

VA Loan Limits in Texas

Veterans with full entitlement have no VA loan limit. The conforming limit of $726,200 in Texas is relevant only for veterans with reduced entitlement. Most Texas counties are at the standard conforming limit. No Texas counties currently qualify for high-cost conforming limits, though Austin-Round Rock values approach the threshold.

VA Funding Fee

Most VA borrowers pay a one-time VA funding fee: 2.15% for first use with no down payment (1.5% with 5%+ down). On a $310,000 loan, the funding fee is approximately $6,665. Veterans with service-connected disabilities are exempt.

Property Taxes in Texas

VA loans don't change your property tax obligation. Texas's effective rate is 1.60%, adding ~$413/month to your VA PITI payment.

Data: Tax Foundation (2024), US Census Bureau ACS 2023, Zillow, ATTOM Data Solutions. Updated 2024–2025. Figures reflect state averages — consult a licensed professional for personalized advice.

Frequently Asked Questions

Can I use a VA loan in Texas?

Yes. VA loans are available in all states including Texas. Eligible veterans and service members can buy the median Texas home ($310,000) with no down payment.

What is the VA loan limit in Texas?

Veterans with full entitlement have no loan limit. For those with reduced entitlement, the baseline conforming limit of $726,200 applies. Most Texas counties are at the standard conforming limit. No Texas counties currently qualify for high-cost conforming limits, though Austin-Round Rock values approach the threshold.

How much is the VA funding fee in Texas?

For a first-use VA loan with no down payment, the funding fee is 2.15% of the loan amount. On Texas's median home of $310,000, that's approximately $6,665. Veterans with service-connected disabilities pay no funding fee.

What are closing costs on a VA loan in Texas?

VA loans have lender-paid and buyer-paid closing costs. Buyers typically pay $3,700 in Texas. Texas has no state transfer tax, which is a significant advantage. However, title insurance rates in Texas are state-regulated and can be higher than in unregulated states. Survey fees are standard requirements in Texas. Sellers can also contribute to closing costs.

VA Loan Calculator for Texas

VA Loans in Texas

VA Loan Limits in Texas

VA Funding Fee

Property Taxes in Texas

VA Loan Calculator for Other States

Frequently Asked Questions