VA buyers · 2026 edition
Military and VA Buyers Guide to DFW
Thank you for your service. VA home loans are one of the best benefits you've earned, and Texas adds some powerful property tax breaks on top. Here's how to use them in DFW.
By Tee Adewunmi, REALTOR®3 min read · Updated September 202601Why VA loans are so powerful
- No down payment required for eligible borrowers.
- No monthly mortgage insurance.
- Competitive rates and flexible credit guidelines.
- The benefit can be used more than once.
Rates change daily, so I don't quote them. I'll connect you with a VA-experienced lender for exact numbers.
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022026 VA funding fee (purchase loans)
| Down payment | First use | Subsequent use |
|---|---|---|
| Less than 5% | 2.15% | 3.3% |
| 5% or more | 1.5% | 1.5% |
| 10% or more | 1.25% | 1.25% |
You're exempt from the funding fee if you receive VA compensation for a service-connected disability, are a Purple Heart recipient, or are an eligible surviving spouse, among other cases. Confirm with your lender.
03Texas property tax breaks for disabled veterans
| VA disability rating | Exemption off assessed value |
|---|---|
| 10–29% | $5,000 |
| 30–49% | $7,500 |
| 50–69% | $10,000 |
| 70–99% | $12,000 |
| 100% or unemployable | Full exemption on your homestead |
File with your county appraisal district along with the $140,000 school homestead exemption. Eligible surviving spouses may keep certain exemptions too.
04VA buying tips in DFW
- Get your Certificate of Eligibility early (your lender can help)
- Use a lender who closes VA loans often
- Expect a VA appraisal that also checks basic property condition
- Ask for seller or builder concessions toward closing costs
- Look at new construction: many builders welcome VA buyers
Using your VA benefit?
Let's make it work for you. I'll connect you with a trusted VA lender and build your search.
Questions? That's what I'm here for.
Text me at 469-466-6689 or book a quick call. No pressure, just answers.