Texas Vet & VA loans in Travis County, Texas
Veterans and military families in Travis County have a real advantage when buying a home: the Texas Veterans Land Board (VLB) program paired with the federal VA benefit. Together they can mean $0 down, no monthly PMI, and a discounted fixed rate the state sets every week. Military income like BAH can often be counted to increase what you qualify for. We work with veteran buyers throughout Travis County, including Austin and the nearby communities.
Travis County at a glance
In Travis County, the typical home was listing around $529,000 as of June 2026 and the median household income is about $97,487 (2024). Eligible veterans can finance a home at that price with no money down and no monthly PMI — a real edge against local prices.
Why Travis County veterans choose the Texas Vet program
- $0 down when the Texas Vet rate is paired with your federal VA loan benefit
- Use it to buy a home — the VLB also offers Texas land and home-improvement loans
- 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
Veterans across Travis County use the Texas Vet program to buy with little or no money down at a below-market rate; the check confirms what you qualify for in about a minute.
Roll energy upgrades into your VA loan
The VA's Energy Efficient Mortgage option lets you add up to $6,000 for qualifying improvements — insulation, efficient HVAC, solar screens and the like — onto a purchase or refinance. In a Texas summer, efficiency upgrades pay for themselves in utility bills, and this folds them into one fixed payment.
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.
VLB land loans for Texas veterans
Beyond home loans, the Texas Veterans Land Board offers a land loan that lets eligible veterans buy acreage in Texas — often with as little as 5% down — even when traditional banks won't finance raw land. It's a benefit unique to Texas.