VA Loan Limits in Texas (2026)
For 2026, the VA county loan limit for most Texas counties is $832,750 for a single-family home — but only for veterans with partial entitlement. Texas has no high-cost counties, so the baseline applies statewide.
With full VA entitlement, there is no loan limit in Texas — eligible veterans buy at any price a lender approves with $0 down and no monthly mortgage insurance.
VA loan limits by county in Texas
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Harris County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Dallas County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Tarrant County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Bexar County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Travis County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Fort Bend County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Hidalgo County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| El Paso County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Montgomery County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Williamson County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Cameron County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Brazoria County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Bell County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Nueces County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Galveston County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Lubbock County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| McLennan County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Collin County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Denton County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Webb County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Jefferson County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Hays County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Smith County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Brazos County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Ellis County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Comal County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Guadalupe County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Midland County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Johnson County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Ector County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Kaufman County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Taylor County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Wichita County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Gregg County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Parker County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
Texas's median home price is roughly $335,000. With $0 down and no PMI, an example VA payment near that price is about $2,693/month including the financed funding fee, taxes, and insurance.
Using your VA benefit in Texas
The VA home-loan benefit lets eligible Texas veterans, active-duty service members, and surviving spouses buy with no down payment, no monthly mortgage insurance, and competitive rates. The county limits above only matter if your entitlement is reduced — otherwise there is no cap.
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Frequently Asked Questions
- What is the VA loan limit in Texas for 2026?
- With full entitlement, none. For partial entitlement, most Texas counties use the $832,750 conforming baseline; high-cost counties go up to $1,249,125.
- Do VA loans in Texas require a down payment or PMI?
- No. Eligible borrowers can buy with $0 down, and VA loans never charge monthly mortgage insurance.