VA disability calculator with Texas home loan benefits
Your rating affects more than your monthly check. In Texas it can wipe out your property tax and the VA funding fee.
✓ 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.
Add your individual ratings and dependents to see your combined rating and your 2026 monthly compensation. The calculator then shows what that rating does for a home loan in Texas.
VA disability calculator
1. Your ratings
Enter each service-connected rating separately. Leave blank any you don’t need.
2. Your dependents
3. Your home loan
Uses VA’s 2026 compensation rates (effective December 1, 2025). Combined ratings use VA’s method and round to the nearest 10%; the bilateral factor isn’t included. For your exact amount, see VA’s official rate tables. Estimate only.
For illustration only. Results are estimates based on the numbers you enter and general assumptions, and may not reflect your situation. This is not a Loan Estimate, pre-approval, rate quote or commitment to lend. Any rate shown is an example, not a current rate or an offer. Your actual eligibility, loan amount, rate, payment and costs depend on your credit, income, property, appraisal and underwriting, and can change without notice. Not all applicants qualify. CrossCountry Mortgage, LLC NMLS #3029. Equal Housing Opportunity. Full disclaimer.
What a rating does for a Texas homebuyer
- No VA funding fee. Veterans who receive VA disability compensation, at any rating, don’t pay it. On a $400,000 first-use purchase with $0 down, that saves $8,600.
- Property tax relief. A 100% rating, or being paid at the 100% rate for individual unemployability, removes property tax on your homestead entirely. Lower ratings get a fixed exemption off the home’s value. See Texas disabled veteran property tax exemptions.
- Income that counts more. Compensation is tax-free and counts as income for qualifying, which helps both DTI and residual income.
- A lower Texas Vet rate. The Veterans Land Board offers a reduced interest rate to veterans rated 30% or more. See Texas Vet loans.
Use the link in the results to carry your compensation into the affordability calculator. For the full list of benefits, see VA and Texas Vet benefits for disabled veterans.
Questions Texas veterans ask
My claim is still pending. Can I still get the funding fee waived?
If your rating comes through after closing and is effective before your closing date, you may be able to get the funding fee refunded. Tell my team about a pending claim when you apply.
When does the Texas property tax exemption start?
You apply with your county appraisal district once the home is your homestead. The 100% exemption can apply for part of a year when you buy mid-year.
Does the calculator include the bilateral factor?
No. It uses VA’s combined rating method without the bilateral factor, so your actual rating may be a little higher. VA’s official rate tables and your award letter are the final word.
Talk it through with my team
A calculator gets you close. A real review gets you the answer. Applying takes about 15 minutes and is a soft credit pull only.
More Texas VA calculators
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