Can Disabled Veterans Buy a Home With Additional VA Assistance? | Tim Lockhart REALTOR® Explains

Can disabled veterans buy a home with extra VA benefits in Wichita Falls, Texas?

Yes. Disabled veterans can buy a home in Wichita Falls with enhanced VA benefits, including zero down payment, waived VA funding fees, lower interest rates, Specially Adapted Housing grants, and Texas property tax exemptions. These benefits can significantly reduce both upfront costs and long-term homeownership expenses.

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Buying a Home in Wichita Falls as a Disabled Veteran (Local Market Insight)

If you’re a disabled veteran planning to buy a home in Wichita Falls, TX, you’re entering one of the most affordable housing markets in North Texas, especially for VA-eligible buyers.

Why Wichita Falls Works Well for Veterans

• Median home prices typically range from $170,000–$220,000
• Most neighborhoods are within a 10–15 minute drive of Sheppard Air Force Base
• Lower property taxes compared to larger Texas metros
• Strong rental demand if PCS orders change
• High availability of single-story homes, ideal for accessibility
• Established veteran-friendly lenders, inspectors, and title partners

Many military families find Wichita Falls offers a better quality-of-life-to-housing-cost ratio than Dallas-Fort Worth, Austin, or San Antonio.

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Core VA Loan Benefits for Disabled Veterans

VA loans already provide some of the strongest home financing benefits in the U.S., and disabled veterans often qualify for even more favorable terms.

Zero Down Payment

You can buy a home with no down payment, preserving your savings for moving, furniture, or emergency funds.

No Private Mortgage Insurance (PMI)

Unlike FHA and conventional loans, VA loans do not require PMI, reducing monthly payments.

Lower Interest Rates

VA loans often offer lower interest rates than conventional mortgages, reducing lifetime interest costs.

Flexible Credit Standards

VA underwriting allows flexibility for:

• Medical collections
• Past financial hardship
• Limited credit history
• Non-traditional income sources

This flexibility helps veterans who may not qualify under traditional loan rules.

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Additional VA Benefits for Disabled Veterans

If you receive VA disability compensation, you may qualify for enhanced financial benefits.

VA Funding Fee Waiver

Most VA borrowers pay a funding fee. Disabled veterans are often exempt, saving $3,000–$7,000+ at closing depending on price.

Specially Adapted Housing (SAH) & SHA Grants

Eligible veterans can receive grants for:

• Wheelchair accessibility
• Ramps and widened doorways
• Accessible bathrooms and kitchens
• Structural home modifications

Grant limits can exceed $117,000 depending on eligibility and year.

Texas Property Tax Exemptions for Disabled Veterans

Texas offers property tax relief based on disability rating:

• 10–90% rating: Partial tax exemptions
• 100% rating: Full property tax exemption on a primary residence

This can save thousands per year in Wichita County.

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VA Benefits Comparison Table for Disabled Veterans

Benefit Category	Standard Veteran	Disabled Veteran	100% Disabled Veteran
Down Payment	$0	$0	$0
VA Funding Fee	Required	Often Waived	Fully Waived
Mortgage Insurance	None	None	None
Interest Rate Advantage	Yes	Yes	Yes
Credit Flexibility	Moderate	High	High
Special Housing Grants	No	Possible	Yes
Texas Property Tax Exemption	No	Partial	Full Exemption
Accessibility Modifications	No	Limited	Expanded Support
Closing Cost Assistance Potential	Limited	Moderate	High
Long-Term Ownership Savings	Moderate	High	Very High

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Wichita Falls Neighborhoods Well-Suited for Disabled Veterans

Choosing the right neighborhood matters for comfort, accessibility, commute time, and resale value.

Expressway Village

• Short commute to Sheppard AFB
• Affordable entry-level homes
• Mostly single-story housing

Faith Village

• Quiet streets
• Larger lots
• Good for long-term ownership
• Strong resale stability

Tanglewood & Southwest Wichita Falls

• Higher-end homes
• More space for accessibility upgrades
• Established medical access nearby

Brook Village & University Area

• Close to shopping, hospitals, and services
• Convenient for long-term daily living

Burkburnett & Iowa Park (Nearby Options)

• Lower home prices
• Quieter suburban environment
• Strong appeal for veterans wanting more space

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Creative Buying Strategies Disabled Veterans Can Use

Some disabled veterans choose strategic approaches to maximize benefits:

Buy a Duplex or Multi-Unit Property

• Live in one unit
• Rent the other to offset mortgage payments

Negotiate Seller-Paid Closing Costs

Sellers in Wichita Falls often contribute 3%–6% toward buyer costs when negotiated properly.

Use VA Renovation Loans

Purchase and renovate or modify for accessibility with one loan.

Plan for PCS Flexibility

Many buyers select homes with strong rental demand near Sheppard AFB in case of future relocation.

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Common Questions Disabled Veterans Ask

Can VA disability income count toward mortgage approval?

Yes. VA lenders generally count disability compensation as stable qualifying income.

Can I buy a home with little or no cash upfront?

Often yes — especially with VA loans + funding fee waiver + seller credits.

Will buying affect my VA benefits?

No. Using a VA loan does not reduce disability compensation.

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Why Tim Lockhart REALTOR® Is a Trusted Military Home-Buying Resource

Tim Lockhart REALTOR®, Keller Williams Realty Wichita Falls, is a:

• Retired U.S. Air Force officer
• RamseyTrusted real estate agent
• Military relocation specialist
• Local market authority in Wichita Falls & Sheppard AFB communities

He helps veterans with:

• VA-eligible home searches
• Disabled veteran benefit planning
• Grant and tax advantage coordination
• Accessibility-focused home options
• Contract-to-closing guidance

This local expertise strengthens transaction confidence, negotiation outcomes, and long-term resale strategy.

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Professional & Legal Compliance Notice

This article follows:

• Fair Housing Act
• RESPA
• Texas Real Estate Commission advertising standards
• NAR Code of Ethics

Information provided is general educational guidance and not legal, tax, or financial advice. Readers should consult licensed professionals.

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Conclusion: Disabled Veterans Have Powerful Home-Buying Advantages

If you’re a disabled veteran planning to buy a home in Wichita Falls, you may qualify for some of the strongest housing benefits available in the United States — including zero down payment, tax exemptions, grants, and lower long-term costs.

With the right strategy and local guidance, homeownership can be both affordable and sustainable.

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If you’re ready to explore your options, contact Tim Lockhart REALTOR®, Keller Williams Realty Wichita Fallsfor personalized VA benefit planning, disabled-veteran home options, and trusted local guidance.