BAH → Purchase Price
Pick your base + rank → see what 2026 BAH actually buys you in TX.
Texas VA Loan Calculators
All seven calculators built for TX Veterans. Real numbers, TX county tax rates, 2026 VA rules. Run any of them. Mike Certo reviews every result personally if you want a second opinion.
VA Funding Fee Calculator
First use vs subsequent · down payment tier · disability waiver. 2026 fee tables.
PITI Payment
Full monthly payment including TX county property tax + insurance + HOA.
Max $0-Down Purchase
Your income → maximum home price at VA's 41% DTI guideline.
Texas Disabled Veteran Property Tax Exemption Calculator
Exemption savings under §11.131/§11.22. Real $ by rating and county.
IRRRL Recoupment
VA's 36-month rule. Will your simplify refi pass?
Disability Gross-Up
How much DTI lift tax-free income gives you. 25% standard.
Residual Income
VA's hidden second qualifying test. South region 2026 tables.
Estimates only. Not a commitment to lend. Actual VA loan terms depend on full underwriting including credit, income, assets, property appraisal, residual income, and VA entitlement. Mike Certo · Cornerstone First Mortgage Nationwide Mortgage Licensing System (NMLS) #173855 · Mike Certo NMLS #260555. Equal Housing Lender.