Texas Veteran Housing Programs
Texas veterans can use federal VA home loans and adaptive housing grants plus Texas Veterans Commission land and home loan programs offering below-market financing.
Texas Veterans Land Board (VLB) Housing Programs
VLB programs supplement — do not replace — federal VA loan guaranty benefits.
What it provides: Land, home, and home improvement loans with competitive rates for Texas veterans.
Assistance: Often below conventional market rates; no down payment on some land loans.
Eligibility: Must be Texas resident; previous VLB loan balances affect eligibility.
Who may qualify:
- Texas veterans with honorable discharge
- Active duty meeting residency rules
- Minimum service requirements per program
Requirements:
- Apply through VLB
- Credit approval
- Property must meet VLB guidelines
How to apply: Start at Texas Veterans Commission housing portal; get Certificate of Eligibility for VA programs separately.
Official source: Texas Veterans Commission — Housing
VA Home Loan Guaranty
Texas has strong military presence — many lenders specialize in VA transactions.
What it provides: No down payment and no PMI for eligible veterans purchasing in Texas.
Assistance: Guaranty up to 25% of loan amount reduces lender risk.
Eligibility: Must occupy as primary residence; funding fee applies unless disability exempt.
Who may qualify:
- Certificate of Eligibility holders
- Satisfactory credit and income
Requirements:
- Apply with VA-approved lender in Texas
- VA appraisal of property
How to apply: Obtain COE at VA.gov; shop Texas lenders experienced with VA loans.
Official source: VA.gov — Home Loans
HUD-VASH (Veterans Affairs Supportive Housing)
Critical for veterans experiencing homelessness in Houston, San Antonio, DFW, and rural Texas.
What it provides: HUD housing vouchers combined with VA case management for homeless veterans.
Assistance: Rental subsidy plus supportive services to maintain housing stability.
Eligibility: Coordinated through VA Medical Centers and local housing authorities.
Who may qualify:
- Homeless veterans per VA definition
- Need for case management services
Requirements:
- Referral through VA homeless program
- Participate in case management
How to apply: Contact VA homeless coordinator at 1-877-424-3838 or local VA medical center.
Official source: HUD-VASH