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Texas VA Loan — BAH Calculator

Pick your base, pick your rank, see what home your 2026 BAH actually covers — including the TX summer utility reality national lenders skip.

By Mike Certo, NMLS #260555 — Updated June 2026

Your Situation

Your Base & Rank

Duty station

Pay grade

Dependents?

Estimated 2026 BAH: $1,695 / month (confirm your exact rate)

The Home

Texas county (property tax)

Utility load (summer cooling)

National calculators skip this. TX summer A/C is real and changes what BAH covers.

Assumed rate (%) for estimating

Enter any rate to estimate payments. This is an assumption for the math, not a quote or an offer — ask Mike for current pricing.

Funding fee?

Down payment % (most VA buyers use 0%)

Estimated HOA ($/mo)

Harker Heights / Cibolo / Fort Worth master-planned typically $80-180/mo. Older neighborhoods often $0.

Your Result

Pick your base and rank to see your number.

BAH figures are 2026 estimates — confirm your exact rate at the official DoD BAH calculator. Property tax estimates use approximate 2026 effective rates by TX county. Utility estimates are TX-typical summer cooling ranges; your actual will vary by home size and habits. Funding fee per VA Lenders Handbook 2026 — waived for service-connected disability (10%+ rating). Calculator is educational, not a loan commitment or rate quote. Mike Certo NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender.