Texas Disabled Veterans: How Property Tax Exemptions Lower Your Mortgage Payment

In Texas, property taxes are a big part of your monthly house payment. For disabled veterans, that is also where some of the biggest savings are hiding.

How the Exemptions Work

Texas offers disabled veterans an exemption from part of their home’s taxable value based on their VA disability rating. Veterans rated 100% disabled, or paid at the 100% rate due to individual unemployability, may qualify for a total homestead exemption, which means no property taxes on their primary home. Surviving spouses may also qualify.

Why It Matters When You Buy

When I run numbers for a disabled veteran, I estimate the payment with the exemption you are expected to receive, so you can see how much more home you can comfortably afford. Pair that with a VA loan (no down payment, no PMI and no funding fee for veterans receiving disability compensation) and a possible Texas VLB rate discount, and the savings add up fast.

Next Steps

1. Have your VA disability rating letter handy.
2. Get pre-approved so we can run your numbers.
3. After closing, file your homestead and disabled veteran exemptions with your county appraisal district (Harris County Appraisal District for most of my clients).

Confirm your exact exemption with your appraisal district or a tax professional.

Let’s Run Your Numbers

Call or text me at 281-978-2106 or get started on your pre-approval. I will show you every option side by side so you can choose with confidence.

Clifton Saunders, The Mortgage Mentor

Clifton Saunders, NMLS #230688 | New American Funding, NMLS #6606 | Equal Housing Opportunity. Subject to credit approval; not all applicants will qualify. Programs and guidelines change; call or text 281-978-2106 for current details. This article is general information, not tax or legal advice.