VA Loans in Texas | Fast Close Mortgage

VA Loans in Texas — 2026 Limits & How to Apply

Looking for VA Loans in Texas? Fast Close Mortgage is a Texas-licensed mortgage lender offering va loans with closing timelines as fast as 7 days. Whether you’re in Houston, Austin, or anywhere else in Texas, our team can help you get approved quickly and close on a competitive va loans rate. Texas has the largest active-duty + veteran population in the U.S. No state income tax means VA buyers can qualify at higher DTI. TX has the highest VA loan volume of any state.

2026 VA Loans Loan Limits in Texas

The 2026 VA loan limit in Texas is $2,000,000 statewide. Texas has a strong VA loan market, and the high loan limit means many Texas veterans can use VA financing with 0% down for properties well above the conforming loan limit. The VA Funding Fee applies (2.15%-3.6% depending on down payment and prior use) unless you have a 10%+ service-connected disability rating.

These limits matter because Texas veterans using VA financing can access higher purchase prices without a down payment. Combined with no private mortgage insurance (PMI) requirements, VA loans are often the most affordable path to homeownership for Texas veterans.

What credit score do you need for VA Loans in Texas?

The minimum credit score for VA Loans in Texas is 620 for 0% down. Borrowers with credit scores below 620 (down to 580) can still qualify with 0% down. Most Texas lenders prefer 620+ for the best pricing.

For Texas buyers with credit scores in the 580-619 range, FHA and VA loans are often the best options. Texas buyers with credit scores of 740+ get the best conventional loan pricing. We work with lenders who specialize in non-prime credit profiles and can often find competitive options for Texas buyers across the credit spectrum.

How fast can I close VA Loans in Texas?

Fast Close Mortgage closes most Texas VA loans in 14 to 21 days. The VA appraisal process and VA Notification of Value (NOV) can add 1 to 2 weeks compared to conventional loans. Our team handles VA-specific requirements and works with VA-approved appraisers in Texas to keep timelines tight.

Why choose Fast Close Mortgage for VA Loans in Texas?

Fast Close Mortgage is a Texas-licensed mortgage lender offering VA Loans with closing timelines as fast as 7 days. Here’s why Texas buyers choose us:

Licensed in all 50 states. We serve Texas buyers plus 49 other states with consistent service and pricing.
Dedicated Texas loan officer. Each Texas borrower is assigned a local loan officer who understands Texas-specific market conditions, county loan limits, and closing timelines.
Fast closing. Most Texas VA Loans close in 7 to 21 days, depending on the loan type.

Apply Now — Get Started in Minutes

Texas VA Loans FAQ

The 2026 VA loan limit in Texas is $2,000,000 statewide. Texas has the highest VA loan volume of any state — San Antonio, Killeen, El Paso, and the Dallas-Fort Worth metro are top VA markets. TX veterans can use VA financing with 0% down for properties up to $2M.

Fast Close Mortgage closes most VA loans in Texas in 14 to 21 days. Texas has a streamlined VA appraisal process and a robust lender network. In San Antonio and Killeen (near Fort Cavazos), closings often complete in 14 days.

The VA funding fee in Texas is 2.15% to 3.6% of the loan amount depending on your down payment and prior VA loan use. Veterans with a 10%+ service-connected disability rating are exempt from the funding fee. The fee can be rolled into the loan amount.

Yes — VA loans in Texas can finance manufactured homes that meet VA standards (permanent foundation, HUD data plate, eligible land). Many rural Texas counties are also VA-eligible. Manufactured homes in TX must be on a permanent foundation to qualify.

Yes — VA loans are available throughout Texas including Houston, San Antonio, Dallas-Fort Worth, Austin, El Paso, and Killeen. TX has the highest active-duty military population in the U.S., and our team specializes in VA loans near Fort Cavazos, Fort Bliss, and Randolph AFB.

2026 VA Loans limits in Texas

$2,000,000 statewide. Texas has the highest VA loan volume of any state.

What credit score do you need for VA Loans in Texas?

620 minimum for 0% down VA loan; lenders often prefer 660+ for best pricing.

How fast can I close VA Loans in Texas?

14–21 days for most Texas VA loans. VA appraisal + NOV adds 1–2 weeks.

Why choose Fast Close Mortgage for VA Loans in Texas?

Fast Close Mortgage is Texas-licensed; we work with VA-approved appraisers statewide.

VA Loans FAQ

Do VA loans require a down payment?

No. VA loans are 0% down for eligible veterans and active-duty service members.

Is there a funding fee for VA loans?

Yes — 2.15% to 3.6% depending on down payment and prior use. Waived for service-connected disability.

How do I get my Certificate of Eligibility (COE)?

Apply through the VA eBenefits portal, by mail with VA Form 26-1880, or your lender can pull it electronically in most cases.

Can I use a VA loan more than once?

Yes, as long as you have remaining entitlement. Entitlement is restored when the prior VA loan is paid off.

Other states

Fast Close Mortgage is licensed in Texas and all other 49 states. NMLS ID available on request. Equal Housing Opportunity.