VA Loan + DPA Pairing in Texas: How VA Loans Combine With TSAHC and TDHCA

Texas veterans and active-duty service members may be eligible to combine a VA home loan with a Texas state down payment assistance program. This page explains how VA pairs with TSAHC Heroes DPA or TDHCA programs for veterans buying in Texas.

How VA Pairs With Texas DPA

A VA home loan delivers 100% financing with no down payment requirement and no monthly mortgage insurance for eligible veterans. When paired with a TSAHC Homes for Texas Heroes grant (up to approximately 5% of the loan amount), the DPA may cover closing costs, prepaids, and any seller-required upfront items. Veterans with 10% or higher VA-rated service-connected disability may receive a waiver of the VA funding fee.

Eligibility Basics

VA loan eligibility starts with a Certificate of Eligibility (COE) from the U.S. Department of Veterans Affairs (verify at VA.gov). TSAHC Homes for Texas Heroes requires income up to 115% of county Area Median Income, a 620 minimum FICO, and full-time qualifying public-service employment (active-duty military, veterans, and surviving spouses qualify under the Heroes category). See the Texas Heroes Home Loans guide for the full eligibility breakdown.

What This Page Is NOT

ShopDPA does not market “DPA stacking” or any layered-product framing. VA buyers and TSAHC Heroes participants follow the same eligibility check process as every other ShopDPA buyer: the form qualifies you against the state-level programs you may qualify for, then connects you with a licensed mortgage professional in our Texas partner network. Stack X programs together is not how Texas DPA works in practice — eligibility, income, and underwriting all apply.

Last verified: 2026-05-19. Always verify VA loan eligibility at VA.gov and TSAHC Heroes eligibility at tsahc.org before applying.