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Texas VA Home Loan Limits 2025 and 2026: What Veterans Should Know
If you are a veteran, active service member, or qualifying spouse planning to buy a home in Texas, it helps to know the VA home loan limits for the coming year. These numbers adjust each year to reflect changes in the housing market and can affect how much you can borrow with no down payment.
At Dylken Home Loans, we work with many veterans across Texas who are using their VA benefits to purchase or refinance a home. Below is a clear breakdown of the 2025 and 2026 limits, what they mean for you, and why this change matters right now.
What VA Loan Limits Mean
A VA loan limit is not a cap on what you can borrow—it’s the amount the Department of Veterans Affairs guarantees on your behalf without requiring a down payment. If you have full entitlement, you are not restricted by these limits, but they’re still helpful when planning your budget or comparing loan options.
VA Home Loan Limits for Texas
| Year | Standard Limit in Most Texas Counties |
|---|---|
| 2024 | $766,550 |
| 2025 | $806,500 |
| 2026 | $819,000 |
Most counties in Texas follow the standard VA loan limit, while a few higher-cost areas may allow larger loan amounts. The 2026 limit has now been released at $819,000, showing a modest increase from 2025.
Many lenders have already adopted the 2026 limit for the remainder of 2025, which means you may be able to qualify for the higher amount right now. This is a positive change for buyers looking to take advantage of the VA program before the end of the year.
What This Means for You
If you are buying a home in late 2025, you can likely use the updated $819,000 limit. For those planning to purchase in 2026, that number officially carries forward.
Even though these limits rise each year, your actual loan approval depends on your credit, income, debt-to-income ratio, and the property value. If you have full entitlement, you may still qualify for a higher loan amount with no down payment.
At Dylken, we walk you through how these limits apply to your specific situation so you can make the most of your VA benefits and purchase with confidence.
Why the Limit Increased Again
VA loan limits follow conforming loan limits set by the Federal Housing Finance Agency. When home prices rise, the limits rise as well. The increase from $806,500 in 2025 to $819,000 in 2026 reflects steady home price growth across the country.
How to Prepare
- Check your entitlement status. This determines whether the limit applies to you.
- Plan your purchase timeline. If you are buying soon, know that most lenders are already using the 2026 limit.
- Get preapproved early. It helps you understand what you qualify for and shows sellers you are ready to buy.
- Ask questions. VA loans have powerful benefits, and understanding them fully helps you make the best choice.
The Bottom Line
For most Texas counties, the VA home loan limit for 2025 is $806,500, increasing to $819,000 for 2026. Many lenders have already implemented the 2026 limit, so you can take advantage of the higher amount now.
Ready to Learn More About Your VA Loan Options?
Contact Dylken Home Loans to get a personalized quote or to talk through your eligibility. We proudly serve veterans and homebuyers across Texas, Florida, Minnesota, and Colorado.
Looking to Estimate Your Monthly Payment?
Try our VA Mortgage Calculator to see what your payment could look like based on current VA loan limits.
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