How much can you actually borrow through the Texas Veterans Land Board? The program has separate limits for its home, land, and home-improvement loans — and they're more generous than most veterans assume.
The 2026 home loan limit: $832,750
Eligible veterans can finance up to $832,750 through the VLB home loan program on a fixed 15-, 20-, 25-, or 30-year term. That ceiling tracks the conforming-loan environment and covers the vast majority of Texas homes.
Land and home-improvement limits
The land program finances tracts of one acre or more with as little as 5% down, and the home-improvement program funds repairs and upgrades on your primary residence — each with its own cap and terms set by the VLB.
Need more than the limit?
If you're buying above $832,750, your VA benefit can still help: with full entitlement there's no VA-imposed limit on a $0-down VA loan — you're limited by qualification, not a cap. A specialist can structure the better path.
One loan per program at a time
You can hold one active loan in each VLB program simultaneously — home, land, and home improvement — if you qualify for each. That's three separate Texas benefits working at once.
See what you qualify for in 60 seconds — free and no credit check. Use the eligibility check at the top of this page.