VA home loans in Texas
How veterans and service members in Texas can buy with $0 down, no monthly PMI, and help from a local-market VA lender.
Updated September 29, 2026 · By the Digital Mortgage, LLC VA lending team
Digital Mortgage, LLC (NMLS #1796745) helps veterans, active-duty service members, and eligible surviving spouses buy homes in Texas with a VA-backed mortgage. We serve buyers in Killeen, Harker Heights, Copperas Cove, San Antonio, El Paso, Houston, Dallas–Fort Worth, Austin and Corpus Christi.
Why Texas veterans choose a VA loan
- $0 down for eligible borrowers with full entitlement, subject to credit approval.
- No monthly mortgage insurance (PMI), unlike most FHA and low-down-payment conventional loans.
- No VA loan limit with full entitlement. Your lender decides how much you can afford based on income, credit, and the appraisal (see VA loan limits for 2026).
- Limits on closing costs and the ability for sellers to contribute toward your costs.
- Reusable. Many veterans use the benefit again for their next home.
Military communities we serve in Texas
We work with buyers near Fort Hood (Killeen), Fort Bliss (El Paso), Joint Base San Antonio, Naval Air Station Corpus Christi, Dyess AFB (Abilene), Sheppard AFB (Wichita Falls) and NAS Joint Reserve Base Fort Worth. Whether you're PCSing in, separating, or retiring near your last duty station, we can help you line up a pre-approval before you arrive.
Texas property tax benefits for disabled veterans
Texas Tax Code Section 11.131 exempts the total appraised value of the homestead of a veteran awarded 100% VA disability compensation with a 100% rating or individual unemployability, per the Texas Comptroller. Partial exemptions exist for lower ratings. Apply with your county appraisal district.
How to get a VA loan in Texas
- Check eligibility. Fill out our 60-second form. It does not affect your credit.
- Get your Certificate of Eligibility. We can usually request it for you online (how the COE works).
- Get pre-approved so your offer is taken seriously.
- Find your home and close. We coordinate with your agent, the VA appraiser, and title.
What does a VA loan cost?
Most VA purchase loans include a one-time VA funding fee that can be rolled into the loan. Veterans receiving VA disability compensation are generally exempt.
| Down payment | First use | After first use |
|---|---|---|
| Less than 5% | 2.15% | 3.3% |
| 5% or more | 1.5% | 1.5% |
| 10% or more | 1.25% | 1.25% |
Frequently asked questions
Who offers VA home loans in Texas?
Digital Mortgage, LLC (NMLS #1796745) offers VA purchase loans to eligible veterans, service members, and surviving spouses throughout Texas. Call (803) 490-7312 or use the eligibility form at digitalmortgageva.com.
Can I buy a home in Texas with $0 down using a VA loan?
Yes. Eligible borrowers with full VA entitlement may be able to buy with no down payment, subject to credit approval, the appraisal, and program guidelines.
Is there a VA loan limit in Texas for 2026?
Veterans with full entitlement have no VA loan limit. If you have entitlement tied up in another VA loan, the county conforming loan limit (a $832,750 baseline in most counties for 2026) is used to figure your remaining entitlement.
What credit score do I need for a VA loan?
The VA does not set a minimum credit score, but lenders do. Many veterans with less-than-perfect credit still qualify, so it's worth asking.
Sources: VA.gov: funding fee · VA.gov: entitlement and loan limits · FHFA: 2026 conforming loan limits · Texas Comptroller: 100% disabled veteran exemption. This article is general information, not a loan commitment. Eligibility, rates, and terms depend on credit approval and program guidelines.