Texas Veterans Land Board Veterans Housing Assistance Program (VHAP)
Taking applicationsTexas General Land Office / Veterans Land Board
- Meant for
- Eligible Texas veterans, military members and spouses
- How much
- Fixed-rate first-lien home loan up to $832,750 (15-30 years); discounted rate for 30%+ VA disability
- Kind of help
- Rate discount
- First-timers only?
- No
- Pairs with the state program?
- unknown - VLB says VHAP cannot be used for a down payment; it is a first-lien loan
Must be a primary residence for at least 3 years. No refinancing. Rates change weekly.
Fact-checked November 2026 · our sources
Could I get this? →What VHAP is, and what it is not
VHAP is a first-lien home loan from the Texas General Land Office's Veterans Land Board, with terms from 15 to 30 years. Its value is the rate, not a cash grant. The Veterans Land Board states that VHAP cannot be used for a down payment, so it is not a second loan that sits behind another mortgage. Rates are reset weekly, and a further discount applies for a service-connected disability rating of 30% or higher.
Who qualifies?
Eligible Texas veterans, current military members and eligible spouses. There is no first-time buyer rule. The home must be your primary residence for at least 3 years, and the program does not refinance existing loans. Veterans can also compare a federal VA loan, which needs no down payment for eligible borrowers. Read how veteran status works in the veterans eligibility page.
Using it with other Texas help
Whether a VHAP loan can carry TSAHC or TDHCA assistance is not stated by either agency, and because VHAP is itself the first mortgage, a buyer usually compares it against a TSAHC or TDHCA first mortgage rather than stacking them. Qualified veterans are exempt from the first-time rule in TDHCA My First Texas Home and the TSAHC Mortgage Credit Certificate. A participating lender confirms whether any combination works. The loan type comparison lays out VA vs. FHA trade-offs.
Because the rate is set weekly, it is worth checking the Veterans Land Board's current rate against what a lender quotes for a VA loan or a TSAHC or TDHCA loan the same week. A veteran with a 30% or higher disability rating gets an additional discount, which can lower the cost of the loan further. Veterans who need help with cash to close may find that a state assistance program with a VA first loan fits better, since VHAP itself does not supply down payment money.
How to apply
Start on the Veterans Land Board home loan page, check the weekly rate, and apply through a lender that offers VHAP. Have your discharge paperwork and any VA disability rating letter ready. This works anywhere in the state, from Bell County to El Paso County. To see the down payment options a veteran might use, check your eligibility.
Reader questions on Texas Veterans Land Board Veterans Housing Assistance Program (VHAP)
How much can I borrow with VHAP?
Up to $832,750, on a fixed-rate first-lien loan with a 15- to 30-year term.
Can VHAP pay my down payment?
No. The Veterans Land Board says VHAP cannot be used for a down payment; it is a first mortgage.
How long do I have to live in a VHAP home?
It must be your primary residence for at least 3 years.
See if this one fits me
Programs worth comparing
Summed up from the program's official page as of November 2026. Money and rules change; check current terms with the program or a lender that takes part. Texas Down Payment Assistance has no tie to this program.
