Texas VA loan calculators

Run the numbers on a Texas home before you talk to anyone. Each calculator uses current VA rules, and the defaults are set for Texas.

Apply now Book a 15-min call

✓ Soft credit pull only. Applying won’t affect your credit score.

My team reviews your application as soon as it comes in.
If you qualify, you get a pre-approval letter and a full itemized estimate.
If you’re not there yet, you get a clear plan to get ready.

Buying

VA home loan paymentMonthly payment with taxes, insurance and the funding fee.How much home can I afford?Your top price, based on VA residual income.DTI & residual incomeSee if a payment fits VA’s guidelines.Temporary buydownWhat a 2-1 or 3-2-1 builder offer saves.VA construction loanLot, build and payment in one loan.Assumable loanTake over a seller’s low rate vs. a new loan.Rent vs. ownCompare renting with buying in Texas.

Benefits & eligibility

VA funding feeYour fee for any VA loan type, or $0 if exempt.VA entitlementRemaining entitlement and your $0-down limit.VA disabilityCombined rating, 2026 pay and Texas tax relief.Credit readiness checkWhere you stand, with a printable plan.Texas BAH rates2026 housing allowance by duty station.

Refinancing

IRRRL break-evenDoes your streamline pass VA’s 36-month test?

A few Texas things the calculators account for

Texas has no state income tax, which helps VA residual income. It also has some of the highest property taxes in the country, so the payment calculators ask for your tax rate instead of guessing. Every Texas county uses the same 2026 VA county limit of $832,750, and disabled veterans can get a full or partial property tax exemption on their homestead.

The results are estimates, not a loan approval. When you’re ready for real numbers, apply online with a soft credit pull or book a 15-minute call.

Questions? Send a quick note

My team will reach out, usually the same business day. No cost or obligation.