Today's VA Loan Rates In Texas
Today's VA Loan Rates In Texas for
VA Purchase
5.375%
VA IRRRL Refinance
5.499%
Rate Table Assumptions
Mortgage rates change with market conditions. They can only be guaranteed when they are locked in with an application. The rates may vary based on credit score, loan amount, and other factors.
Loan amounts greater than $475,000. FICO credit score greater than 780 or higher. Owner Occupied
30 Conventional Year Fixed - $475,000 or greater . LTV 75.0%. 1 % Point Charged First time Home Buyer.
VA - Closing Costs included in APR are assuming that Veteran is exempt from Funding fee. If not exempt the funding fee will vary based on usage and equity position.
15 Year Fixed - $475,000 or greater. LTV 75%. 1 Point Charged.
30 Year Jumbo Loan - $820,000 or greater. LTV 75.0%. 1 Point. charged
30 Year FHA Loan - $475,000. LTV 96.5%. 1 Point charged
30 Year VA Loan - $475,000. 100.0% 1 Point.
1 point = 1% of the loan amount in order to get the rate.
1,122
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Latest VA Loan Rate Updates in Texas
As of July 13, 2026, the VA 30-year fixed purchase rate is 5.49%, below the current national VA average of 6.15% and well below last year’s broad 30-year fixed benchmark of 6.72%.
Other current purchase rates include:
Conventional 15-Year Fixed: 5.49% APR 5.861%
Conventional 30-Year Fixed: 5.999% APR 6.278%
FHA 30-Year Fixed: 5.49% APR 6.492%
VA 30-Year Fixed: 5.49% APR 5.961%
Eligible VA buyers in Texas have a meaningful payment advantage, especially with homes taking longer to sell statewide. Texas’ May 2026 median sale price was $343,779, up 0.9% year over year, and homes took 68 days to sell.
With more time on the market, you may have a stronger chance to negotiate seller-paid costs while still using the no-down-payment feature.
On a $343,779 home, principal and interest would be about $1,950 at 5.49%, compared with about $2,094 at a 6.15% national VA comparison and $2,223 at last year’s 6.72% broad benchmark.
The current VA estimate is about $144 lower than the national VA comparison and about $273 lower than last year’s broad 30-year level.
Ask your lender to show the payment with the VA funding fee included, and check whether you qualify for an exemption because that can change both the loan amount and the monthly payment.
VA rates are lower than conventional rates by around 0.25% to 0.50%. This means Texas veterans like you are already starting from a lower baseline than most other buyers in the market. Ask for a side-by-side quote with seller-paid costs, since the right structure may reduce cash due at closing.
Dig Deeper: Key VA Loan Insights for Texas Borrowers
Benefit from 0% Down Payment
VA loans allow qualified veterans to purchase with no down payment, preserving cash for moving expenses or home improvements.
Understand the VA Funding Fee
Factor in the one-time funding fee (1.4–3.6% of loan amount) unless exempt; this fee helps fund the VA loan program and can be financed.
Verify Service and Eligibility Requirements
Confirm you meet active duty, National Guard, or reservist service timelines—and check surviving spouse eligibility for streamlined approval.
Obtain Your Certificate of Eligibility (COE)
Request your COE through eBenefits or via your lender to document entitlement and speed up the VA underwriting process.
Compare Purchase vs. IRRRL Refinance
– VA Purchase Loans: 30-year fixed, 0% down.
– Interest Rate Reduction Refinance Loans (IRRRLs): streamline existing VA loans with minimal documentation and no appraisal.
Know Credit Score and DTI Guidelines
While VA sets no firm minimum score, aim for 620+ and a DTI under 41% for the most competitive rates and smooth underwriting.
Use Remaining Entitlement Strategically
If you’ve used VA benefits before, check your remaining entitlement or restore it after payoff to fund your next purchase.
Check Property and Occupancy Rules
Your VA loan must be for a primary residence; ensure the home meets VA appraisal standards for safety and habitability.
Consult a VA Loan Specialist
“Our VA loan experts at Texas United Mortgage help veterans and active-duty members maximize their benefits and secure the lowest possible rates in Texas.”
— Reef Merhi, Owner


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