Texas DPA + VA Loan (and Homes for Texas Heroes)
A VA loan gets Texas veterans in with zero down. Pair it with TDHCA or TSAHC and the assistance covers closing costs, and Homes for Texas Heroes adds higher income limits. For buyers near Fort Hood, Fort Bliss, JBSA, or Fort Cavazos, it is a strong stack.
Why the VA pairing is different
A VA loan is the best financing most veterans will ever get: zero down, no monthly mortgage insurance, strong terms. So pairing it with Texas DPA is not about covering a down payment, a VA loan has none. Instead the assistance covers closing costs and prepaid items, the cash a VA buyer still brings. Because the second is zero-percent and deferred, it adds no monthly payment. For a military family near Fort Cavazos or Fort Bliss, that can mean buying now instead of saving another year.
Homes for Texas Heroes for veterans
TSAHC’s Homes for Texas Heroes is built with veterans in mind. It covers veterans and active military, carries higher income limits than the general program, and waives the first-time-buyer requirement for veterans, so a veteran who owned a home during a prior assignment still qualifies. Stack a zero-down VA loan with a Heroes grant or forgivable second covering closing costs, and a Texas veteran can buy with very little cash. See the full profession list on our Homes for Texas Heroes page.
Texas is a big military state
Texas has one of the largest military footprints in the country, which puts a lot of buyers in range of the Heroes track. Fort Cavazos anchors Killeen and Central Texas, Fort Bliss anchors El Paso, Joint Base San Antonio spans Fort Sam Houston, Lackland, and Randolph, and NAS Fort Worth sits in the Metroplex. Around each, a VA loan plus TSAHC Heroes assistance is one of the strongest cash-saving stacks available. The San Antonio and El Paso pages cover those markets specifically.
TSAHC and TDHCA facts verified August 2026. VA loan details per the U.S. Department of Veterans Affairs. This is not a commitment to lend. Related: DPA + FHA.
Common questions
Can you combine a VA loan with Texas down payment assistance?
Yes. A VA loan requires no down payment for eligible veterans, so TDHCA or TSAHC assistance covers closing costs and prepaid items instead. TSAHC's Homes for Texas Heroes covers veterans with higher income limits and waives the first-time-buyer requirement.
Is there extra Texas down payment help for veterans and military?
Yes. TSAHC's Homes for Texas Heroes covers veterans and active military with higher income limits than the general program, and waives the first-time-buyer rule for veterans. Combined with a zero-down VA loan, a veteran can buy with very little cash near Fort Cavazos, Fort Bliss, JBSA, or NAS Fort Worth.
Do Texas veterans have to be first-time buyers?
Not on Homes for Texas Heroes, TSAHC's veteran definition waives the first-time-buyer requirement. TDHCA's My Choice Texas Home also has no first-time requirement for any buyer.
Serve in Texas? See your VA + DPA options
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