$0-down VA and Texas Vet loans across Taylor County
Buying a home in Taylor County as a veteran doesn't have to start with a big down payment. Between the VLB program's below-market rate and the VA loan's $0-down, no-PMI structure, Taylor County veterans often keep tens of thousands in their pockets. Veterans rated 30% or more disabled unlock an extra rate discount and a waived funding fee. Our partner loan officers serve veterans from the county seat of Abilene to every community across Taylor County.
Taylor County at a glance
In Taylor County, the typical home was listing around $364,125 as of June 2026 and the median household income is about $64,490 (2024). Against those numbers, the Texas Vet program's below-market rate and $0-down structure are exactly what help local veterans afford a home.
Why Taylor County veterans choose the Texas Vet program
- $0 down when the Texas Vet rate is paired with your federal VA loan benefit
- Up to $832,750 financed on a fixed 15, 20, 25, or 30-year term
- An extra rate discount for veterans with a 30%+ service-connected disability rating
- No monthly mortgage insurance (PMI), unlike most conventional loans
Abilene and the rest of Taylor County fall under the same statewide VLB program — the rate is set by the state, not marked up by a local lender, so where you buy in Texas doesn't change the headline rate.
Funding fee tiers — and who skips them
The VA funding fee runs 2.15% on a first-use purchase with less than 5% down, drops to 1.5% with 5% down and 1.25% with 10% down, and is 3.3% for subsequent use with minimal down. IRRRLs are just 0.5%. Veterans receiving VA disability compensation, Purple Heart recipients, and eligible surviving spouses pay nothing.
Texas property tax breaks for disabled veterans
Texas rewards service with property tax exemptions that grow with your VA disability rating, up to a full homestead exemption for veterans rated 100% disabled. On top of a discounted Texas Vet rate, this can save thousands every year you own the home.
Using your benefit on a brand-new home
Buying a completed new build from a builder works seamlessly with the Texas Vet and VA programs — same $0-down, no-PMI structure, plus a one-year builder warranty on most new homes. Building custom takes a VA construction loan or interim financing, and a VLB land loan can hold your homesite while plans come together.