What credit score do I need for a VA loan in Texas?

For veterans with full entitlement, no — VA loan limits were removed for borrowers with full entitlement starting with loans originated in 2020. Veterans with reduced entitlement (typically from an existing VA loan) may still have a limit tied to county conforming loan limits; a VA-experienced lender can confirm your specific entitlement status.

In most cases, no — VA loans are one of the few remaining zero-down-payment mortgage options. A down payment isn't required by the VA, though a lender could have its own overlays in specific circumstances.

A one-time fee charged instead of private mortgage insurance, which can be financed into the loan amount rather than paid out of pocket. The percentage depends on down payment size, whether it's a first or subsequent use of the VA benefit, and loan type; veterans receiving VA disability compensation are exempt. Confirm the current fee for your situation with your lender.

Yes — VA loan entitlement can be used multiple times over a veteran's life, including having more than one VA loan active simultaneously in some circumstances (such as a PCS move). How much entitlement remains available depends on your specific loan history, which a VA-experienced lender can pull and explain.