San Antonio is Military City USA. Whether you're PCSing to JBSA-Fort Sam Houston, JBSA-Lackland or JBSA-Randolph, or putting down roots after you separate, you have buying power most people don't.
VA loan basics
- Down payment: none required by the VA (your lender still has to approve you)
- Loan limit: none for veterans with full entitlement
- Funding fee, first use: 2.15% with under 5% down, 1.5% with 5% down, 1.25% with 10% down
- Funding fee, later use with under 5% down: 3.3%
- No funding fee: if you receive VA disability compensation, or you're a Purple Heart recipient on active duty
Texas Veterans Land Board home loan
- Loan amount: up to $832,750
- Terms: fixed rate, 15 to 30 years
- Bonus: a lower rate for veterans with a 30% or higher disability rating
- Rules: be a Texas resident and live in the home within 60 days, for at least 3 years
Talk to Kanye about your home search
Tell us what you need. Kanye reaches out personally within 24 hours. No pressure, no obligation.
Or call or text 830-699-6542
Down payment and closing cost help
- TSAHC Homes for Texas Heroes: up to 5% of the loan for veterans and active military (also teachers, police, fire and EMS)
- TDHCA My First Texas Home: veterans can be exempt from the first-time buyer rule
What military buyers should check
- Commute: map the drive to your gate at rush hour before you fall in love with a house
- Resale or rent-out: if you could PCS again, buy where homes rent and resell easily
- Homestead exemption: file with Bexar Appraisal District after you move in; disabled veterans get 5 years to file late
- Flooding: read the seller's disclosure for floodplain and past flooding
Questions people ask
Do I need a down payment for a VA loan in San Antonio?
The VA doesn't require one. Your lender still qualifies you on credit and income.
What is the VA funding fee in 2026?
For first use with less than 5% down it's 2.15%. It's 1.5% with 5% down and 1.25% with 10% down. Veterans receiving VA disability compensation don't pay it.
What is the Texas Veterans Land Board home loan?
A fixed-rate Texas loan for eligible veterans up to $832,750, with a lower rate for veterans with a 30% or higher disability rating.
Talk to Kanye about your home search
Tell us what you need. Kanye reaches out personally within 24 hours. No pressure, no obligation.
Or call or text 830-699-6542
Sources: VA funding fee · VA loan limits · Texas Veterans Land Board home loans · TSAHC down payment assistance · TDHCA homebuyer programs · Bexar Appraisal District. Figures change; we update this page as new data is released.
