VA loans in Wichita Falls.
The Wichita County figure on this page is a county reference only, not an address-based lookup for Wichita Falls. Confirm the property's county before relying on it.
Wichita County reference value. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties.
Source: FHFA Full County Loan Limit List for 2026 (HERA-based, final). One-unit limit; applies to mortgages acquired in calendar year 2026. Source checked 2026-09-16. · Wichita County (FIPS 48485)
County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. Look the property's county up at FHFA.
What the county figure means here.
A borrower with full VA entitlement does not have a VA loan limit, subject to lender approval, ability to repay, and the appraised value or purchase price. The FHFA one-unit county conforming loan limit matters primarily when calculating remaining bonus entitlement for a borrower who does not have full entitlement, and it may affect whether a down payment is required.
Wichita County carries a $832,750 one-unit conforming loan limit value for 2026, and that is the county figure we reference for Wichita Falls. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. Whichever county your property is in, the value is used in remaining-entitlement calculations — including on a 2–4 unit property — and is not a cap on what a fully-entitled buyer can finance.
Planning around BAH? Rates vary by pay grade, dependency status, and ZIP-based Military Housing Area — verify yours on the official DoD BAH calculator.
This site does not publish current rates or APRs. Your rate and terms depend on your credit profile, income and assets, the property, market conditions, lock timing, points or lender credits, underwriting, and final lender approval. Request a personalized quote from Bolt Home Loans LLC.
Estimate a payment with your own rate assumptionWichita Falls posts older floodplain maps and asks you to call Engineering
The City of Wichita Falls says the floodplain maps on its site are dated February 3, 2010, do not show later changes and are posted for general purposes only. It recommends calling the Engineering Division to check the floodplain status of any street address inside city limits, and lists the individual FEMA map panels along with a floodplain questions-and-answers page.
Practical step: do not rely on the posted map image alone. Call the Engineering Division about the address during your inspection period and ask whether anything has changed since 2010, then use that answer when you request insurance quotes. The City's page also links aerial photos of past flooding.
Wichita Appraisal District: ID address rule and the active-duty alternative
The Wichita Appraisal District explains that Texas Tax Code Section 11.43 requires a homestead applicant to provide a copy of a driver's license or state ID whose address matches the property. The chief appraiser may waive that requirement for an active-duty service member or spouse who has a military ID card and a utility bill for the home in the applicant's or spouse's name.
The district's forms page also carries the residence homestead and disabled veteran's exemption applications. Practical step: if your license still shows another state because of your military service, bring your military ID and a utility bill for the home when you apply, and file the disabled-veteran application separately if you have a rating.
- FHFA — Conforming loan limit values
- City of Wichita Falls — Floodplain Maps
- Wichita Appraisal District — Forms (homestead application requirements)
- VA — Home loan entitlement and limits
Sources checked 2026-09-23. Educational information only, not legal, tax or underwriting advice.
VA loan programs available in TX.
$0 down in Wichita Falls. No PMI.
Lower your rate. Minimal paperwork.
Up to 100% LTV — conventional caps at 80%.
$0 down above conforming.
Finance repairs into your purchase.
Roll energy upgrades into the loan.
Widows and widowers of TX veterans qualify.
Zero down, no PMI, and a 100% funding-fee waiver on a home in Wichita Falls, subject to eligibility verification and Certificate of Eligibility issuance.
Surviving spouse guideDisabled veteran? Stack the SAH grant on your Wichita Falls purchase.
Up to $126,526 in FY 2026 toward a VA-approved plan to acquire, construct, or adapt a suitable home. VA approves eligibility and use; the grant is separate from your VA home loan.
SAH grant guideVA loans in Wichita Falls — answered.
FHFA sets conforming loan limit values by county, not by city, and there is no single published figure for a city as such. The county we reference for Wichita Falls is Wichita County (FIPS 48485), whose official 2026 one-unit value is $832,750 per the FHFA Full County Loan Limit List. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. The figure only matters for remaining-entitlement calculations — with full entitlement there is no VA loan limit, subject to lender approval, ability to repay and appraised value.
BAH varies by pay grade, dependency status, and ZIP-based Military Housing Area, and DoD updates rates annually. Check your exact rate on the official DoD BAH calculator. Lenders may count BAH as qualifying income, subject to underwriting.
A VA-eligible borrower with full entitlement may be able to pursue a primary-residence purchase in Wichita Falls with no down payment and no monthly PMI. Eligibility, credit, income, the VA appraisal, and final lender approval all apply, and closing costs and prepaids are still due.
An unremarried surviving spouse of a veteran who died in service or from a service-connected disability may qualify for the full VA benefit in Wichita Falls — zero down, no PMI, and a 100% funding-fee waiver, subject to eligibility verification.