Estimate how much VA home loan you can afford in Texas with $0 down. This VA loan affordability calculator runs both the debt-to-income (DTI) ratio test and the VA residual income test, so you see an estimated maximum for a Texas veteran or active-duty buyer. Pair the result with your VA loan benefit and county loan limit before you start shopping.
Region: South | Residual Target: $1,003/mo
VA usually requires $0 down.
Example rate. Change it to match your quote; your APR will differ.
Estimate only, not a loan approval or credit decision.
Unlike conventional loans which only look at DTI, VA loans look at two tests. Your estimated maximum home price is based on whichever test is stricter. The headroom on the loan side is set by the maximum VA loan amount for your county.
$2,475
Max housing payment at a 41% DTI
$4,117
Max housing payment that keeps $1,003/mo residual
VA has no hard DTI cap. Above 41%, lenders look for residual income at least 20% over the guideline, so this calculator treats 41% as the limit. Assumptions: income taxes estimated at 20% of gross income, utilities and maintenance at $280/mo (VA's $0.14 per square foot on 2,000 sq ft), and a 30-year fixed loan with the funding fee not included. A lender uses your actual withholding and the home's size.
Results are estimates for illustration. Prefilled rates are examples based on national averages as of September 28, 2026, not offers. Your rate and APR depend on your credit, loan and property, and come from a Loan Estimate. Get started for a quote.
We're a Texas lender with VA teams serving San Antonio, Fort Worth, and El Paso. We walk military families through each step of buying a home with a VA loan. Already have a VA loan? Ask about a VA IRRRL instead.
100% financing with full entitlement
No monthly mortgage insurance
Guaranteed by the VA
Residual income counts too
Related: VA funding fee calculator, VA loan credit score requirements, and the VA statement of service letter for active-duty buyers.
A loan officer can turn this estimate into a quote based on your credit, income and the home you want.
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