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Veterans Alliance — Veterans Alliance
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Texas Veterans Land Board Home Improvement Loan

Up to $50,000 to improve your existing home, at a discounted rate with a 30% or greater disability rating. The spring 2026 pause on new applications has been lifted — the VLB is taking applications again.

Verified August 22, 2026

What this benefit is

Up to $50,000 to improve your existing home, at a discounted rate with a 30% or greater disability rating. The spring 2026 pause on new applications has been lifted — the VLB is taking applications again.

What it's worth: Up to $50,000 at a discounted rate with a 30% rating

  • Loans of $7,500 to $10,000 run 2 to 10 years; larger loans up to $50,000 run 2 to 20 years.
  • At the rates published in August 2026 the base rate was 6.35% and the disabled-veteran rate 5.85%. The VLB base rate can adjust on the first business day of each week, so confirm before relying on a figure.
  • The saving depends entirely on loan size and term, which is why no figure is published here.

Who is entitled to it

  • You served in the U.S. armed forces.
  • You are improving a home you own in Texas.
  • You are a Texas resident.
  • Your home is in Texas.

Not sure whether that describes you?

Answer a few questions about this benefit specifically — we only ask what this one actually depends on, and we stop as soon as we know.

How to claim it

  1. 1Apply through the VLB. Home improvement loans are made by the VLB directly rather than through participating lenders.
  2. 2Provide your VA disability letter up front if you are claiming the discounted rate at a 30% or greater rating.
File with
Texas Veterans Land Board
Documents you will need
dd214 · va disability award letter
No renewal needed
CorrectionThis record carried a deny rule for the VLB's 30 April 2026 moratorium on new applications. On 22 August 2026 the VLB's own programme page carried no moratorium notice and was accepting applications, with the base and discounted rates published — so the pause has been treated as lifted and the deny rule removed.

Sources

Why only one source type: The Veterans Land Board publishes the programme terms, rates and application route on a single page. There is no separate operating source, and the enabling statute does not set the programme's rates or amounts.

This finder provides an informational match, not a government eligibility determination. The responsible agency decides your application.