VLB Veteran’s Housing Assistance Program


VHAP helps Texas veterans purchase homes through the Veterans Land Board. VHAP works hand-in-hand with other loan programs (like FHA, USDA, VA, conventional). It offers a lower interest rate in place of the normal rate you’d qualify for on those loan programs. VHAP only assists in home purchases, and cannot be used for refinancing. To be eligible for VHAP’s lower interest rates, you must have a VA-connected disability rating of at least 30%.

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Veteran Eligibility

In order to be eligible for the VLB’s Veteran’s Housing Assistance Program, you must be:

  • 18 years of age or older
  • A legal resident of Texas on the date of your loan application
  • Meet one of the following service criteria:
    • An active service member
    • A member of the Texas National Guard
    • A reserve component Military Member having completed 20 qualifying years for retirement
    • Served at least 90 active duty days (unless discharged sooner due to a service-connected disability) without being discharged dishonorably
    • A surviving spouse of a Veteran listed as missing in action or whose death was service-connected

Property Requirements

The home itself must meet these requirements:

  • The home must be the Veteran or Military Member's primary residence in Texas
  • The home must be a single family attached or detached home, townhome or condominium
  • Duplexes or other multi-family units must have been constructed at least five years prior to the closing date of the loan
  • New homes must have either ENERGY STAR certification or HERS Index score of 75 or less
  • The home must remain the Veteran or Military Member's primary residence for at least three years, and the Veteran or Military Member borrower must occupy the home within 60 days after loan closing