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Texas is home to one of the largest veteran and active-duty populations in the United States. With strong military communities, no state income tax, powerful veteran property tax exemptions, affordable land, and high BAH allowances, Texas is one of the best states in the nation to use your VA loan benefits.
This 2025–2026 VA Loans in Texas guide is designed specifically for Texas veterans and service members who want to:
Buy a home using a VA loan in Texas
Build a home with a VA One-Time Close Construction Loan
Purchase land and build using VA financing
Use a VA Jumbo Loan in higher-cost Texas markets
Renovate or repair a home with a VA Renovation Loan
A VA loan is a mortgage program backed by the U.S. Department of Veterans Affairs and designed to help eligible veterans, active-duty service members, and qualifying surviving spouses purchase or refinance a primary residence. VA loans are known for offering flexible qualification standards and long-term affordability.
Key benefits of VA loans often include no down payment, no private mortgage insurance (PMI), competitive interest rates, and more forgiving credit guidelines compared to conventional loans. VA loans can be used to buy single-family homes, condos, townhomes, and certain manufactured homes, as long as the property meets VA Minimum Property Requirements.
A VA One-Time Close Construction Loan allows eligible borrowers to finance the purchase of land, construction of a new home, and the permanent mortgage using one VA loan and one closing. The loan is approved and closed before construction begins, eliminating the need for separate construction and mortgage loans.
Once construction is completed and inspections are approved, the loan automatically converts into a permanent VA mortgage without requalification or a second closing. This loan option is ideal for veterans who want to build a custom home while locking in their interest rate upfront and avoiding duplicate closing costs.
Texas continues to be one of the most attractive states for VA loan borrowers, offering financial, tax, and housing advantages that strongly benefit military families and veterans.
Texas has no state income tax, which can significantly improve debt-to-income ratios and overall affordability for VA loan borrowers.
Texas offers some of the most generous property tax exemptions in the country for disabled veterans, potentially reducing or eliminating annual property taxes.
Higher Basic Allowance for Housing (BAH) near bases like Fort Cavazos, Joint Base San Antonio, and Fort Bliss helps support higher purchase prices.
Texas offers ample land availability, making it easier for VA borrowers to build new homes with VA construction or VA one-time close loans.
Many Texas builders and real estate professionals are experienced with VA loans, helping ensure smoother transactions for veteran buyers.
With tax advantages, strong military infrastructure, and a wide range of housing options, Texas remains one of the best states for using VA loan benefits in 2026.
VA Loan Options in Texas
Explore jumbo, refinance, purchase, and construction pathways designed for eligible borrowers in Texas—organized below in an easy, expandable format.
Texas is home to many high-value housing markets, and eligible borrowers may qualify for VA jumbo loan options in Texas. Unlike conventional jumbo loans, VA jumbo loans allow qualified veterans to finance higher-priced homes without the typical jumbo restrictions.
Our team helps Texas veterans evaluate VA entitlement, county loan limits, and pricing to determine whether a VA jumbo loan is the right fit for their home purchase.
Texas homeowners with an existing VA loan may qualify for one of the VA’s refinance programs designed to improve cash flow or leverage home equity.
We review your current loan, interest rate, and long-term goals to determine whether refinancing makes sense in today’s Texas market.
A VA purchase loan allows eligible borrowers to buy a primary residence statewide, from major metro areas to rural communities across Texas.
Whether you’re relocating to Texas, buying your first home, or upgrading to a larger property, a VA purchase loan offers powerful benefits like no down payment, competitive rates, and limited closing costs.
Building a home in Texas with a VA loan is possible—but it requires working with experienced VA construction loan lenders who understand VA-specific guidelines and approval requirements.
Security America Mortgage specializes in VA one-time close construction loans , allowing eligible borrowers to combine land purchase, construction, and permanent financing into a single VA loan.
The table below reflects common Texas VA purchase and build markets for 2026.
| Texas County | Metro Area | 2026 VA Loan Limit* |
|---|---|---|
| Dallas County | Dallas | $832,750 |
| Collin County | North Dallas / Frisco | $832,750 |
| Tarrant County | Fort Worth | $832,750 |
| Denton County | DFW Suburbs | $832,750 |
| Harris County | Houston | $832,750 |
| Fort Bend County | Houston Suburbs | $832,750 |
| Montgomery County | North Houston | $832,750 |
| Travis County | Austin | $832,750 |
| Williamson County | North Austin | $832,750 |
| Bexar County | San Antonio | $832,750 |
| Comal County | Hill Country | $832,750 |
| Hays County | Central Texas | $832,750 |
Texas military housing allowances can significantly impact VA loan qualification and purchasing power. To estimate how your Basic Allowance for Housing (BAH) may affect affordability near your duty station, use our Texas BAH calculator for veterans, which helps service members understand how BAH factors into VA loan eligibility and monthly housing costs.
Official BAH rates are published annually by the U.S. Department of Defense and may change in 2026 based on location and rank.
VA eligibility rules are federal and governed by the U.S. Department of Veterans Affairs. Texas veterans benefit from strong local VA participation, flexible housing options, and veteran-friendly markets across the state.
VA loans no longer have a formal loan limit for borrowers with full entitlement. However, VA Jumbo Loan underwriting still applies in higher-priced Texas counties, including areas around Austin, Dallas–Fort Worth, and Houston.
Texas offers some of the strongest property tax benefits for disabled veterans in the country, including full exemptions for certain veterans with a 100% disability rating.
VA purchase loans are widely used across Texas due to competitive home prices, strong new construction inventory, and high BAH allowances near military installations.
VA Jumbo Loans allow qualified Texas veterans to purchase higher-priced homes with no monthly mortgage insurance and competitive financing terms, depending on lender guidelines.
Texas veterans who want to build a home instead of buying one can follow our in-depth VA Construction Loan Texas guide for step-by-step details on land selection, choosing a VA-approved builder, and navigating the VA One-Time Close process:
VA renovation loans can help Texas veterans purchase or refinance a home and include renovation costs, particularly in areas with older housing stock. These loans may cover structural repairs, accessibility improvements, and VA-required appraisal repairs.
Security America Mortgage specializes in helping Texas veterans with VA Home Loans, VA Construction Loans, VA Jumbo Loans, and VA Renovation Loans.
✔ No obligation • VA-friendly specialists • Texas-focused
At Security America Mortgage, serving Texas veterans isn’t just what we do; it’s who we are. Our founder and CEO, Garrett Puckett, is a 5th-generation Texan, and our company was built on the values, integrity, and commitment to service that define the Lone Star State.
Additional Texas building resources:
Whether you’ve lived in Texas your whole life or just arrived through PCS orders, we’re here to help you feel at home. Texas is diverse, and so are our VA loan solutions.
Yes — if you have full VA entitlement. The $832,750 figure only applies to veterans with partial entitlement.
No. As of 2026, Texas does not have VA-designated high-cost counties. Most counties follow the baseline conforming limit.
Yes. Eligible veterans may use a VA One-Time Close Construction Loan to:
• Purchase land
• Build a home
• Convert to permanent VA financing
Often with 0% down, depending on entitlement.
A VA loan in Texas helps eligible veterans and service members buy a home with little or no down payment. The loan is backed by the U.S. Department of Veterans Affairs, which allows lenders to offer better terms. In most cases, you do not need private mortgage insurance, and interest rates are often lower than other loan types.
You can use a VA loan in Texas to buy a primary home, and in some cases, to build or renovate a home. The property must meet VA safety and livability rules, and the borrower must live in the home.
Texas follows the national VA loan rules. If you have full VA entitlement, there is no loan limit, which means you can buy a home at any price your lender approves. If you have partial entitlement, a loan limit may apply based on county limits.
Your lender can help review your VA entitlement and explain how much you can borrow.
VA loans are available to veterans, active-duty service members, National Guard members, Reservists, and certain surviving spouses. You must meet service time requirements and obtain a Certificate of Eligibility (COE) from the VA.
Eligibility also depends on credit, income, and the home being used as your primary residence.
All members of our team here at Security America Mortgage are experts when it comes to helping veterans obtain VA Home Loans. If you’re ready to get started complete the simple form above and one of our mortgage specialists will contact you shortly. We look forward to working with you!
$726,200 if you don’t have full entitlement covering all Texas counties. $1,089,300 in high-cost areas. There is no VA loan limit for Veterans with full entitlement. However, all lenders have their own requirements and your debt to income ratio will tell us how much you can afford. VA construction loans for $726,200 is a very good size loan amount and should meet most Veteran needs. Let us help make the va construction process easy!
Determine how much home you can afford.
Learn what it costs to fund a VA loan.
Calculate your Basic Housing Allowance.
Find out how much you can borrow for $0 down.
Obtain a construction loan for building or improving a home
Estimate your loan preapproval amount based on your income and expenses.
See if refinancing makes sense for you.
