VA Home Loan Guide for Veterans in Pflugerville, Texas
Pflugerville, Texas, located just north of Austin, offers Veterans a balance of affordability, convenience, and quality of life. With top-rated schools, access to tech employers, and family-friendly amenities, it’s one of the most popular suburbs in the region.
Known for its parks, growing economy, and proximity to bases like Camp Mabry and Fort Cavazos (formerly Fort Hood), Pflugerville is a prime location for military families and Veterans to buy or refinance using their VA home loan benefits.
This guide walks you through using your VA loan in Pflugerville, including 2025 loan limits, local housing trends, credit and income requirements, and local resources available to Veterans.
In this Article
Pflugerville Housing Market Outlook for 2025
Pflugerville continues to be one of the fastest-growing communities near Austin, thanks to its strong schools, safe neighborhoods, and easy access to I‑35 and TX‑130. As of 2025, the median home price in Pflugerville is approximately $415,000—well within the VA loan limit and ideal for Veterans looking to buy with 0% down.
Pflugerville vs. Nearby Cities: 2025 Housing Comparison
| City | Median Home Price (2025) | Cost of Living Index | Population |
|---|---|---|---|
| Pflugerville | $415,000 | 97.2 | 72,000 |
| Round Rock | $445,000 | 98.3 | 128,000 |
| Hutto | $375,000 | 94.1 | 35,000 |
| Austin | $525,000 | 102.6 | 1,000,000 |
| Georgetown | $480,000 | 100.7 | 90,000 |
VA Loan Limits for Pflugerville in 2025
The VA loan limit for all of Texas—including Travis and Williamson Counties—is $806,500 for 2025. Veterans with full entitlement can purchase a home at or below this amount with no down payment required.
Why Use a VA Loan in Pflugerville?
VA loans give Veterans a major financial edge in Pflugerville’s competitive housing market. With no down payment, no PMI, and below-market rates, VA loans stretch your buying power further—especially with rising home prices around the Austin area.
- 0% Down: Buy with no out-of-pocket down payment
- No PMI: Avoid monthly private mortgage insurance
- Lower Rates: Rates 0.5%–1% lower than conventional
- Credit Flexibility: 580–620 scores often approved
- No Prepayment Penalty: Pay off early with no fees
Who Qualifies for a VA Home Loan?
To be eligible for a VA home loan, applicants must meet certain criteria established by the U.S. Department of Veterans Affairs. These qualifications are based on your service duration, duty status, and the character of your discharge.
- Wartime Service: At least 90 consecutive days of active duty during a period of war.
- Peacetime Service: A minimum of 181 continuous days of active duty during peacetime.
- National Guard/Reserves: Six years of honorable service, or 90 active days under Title 32 (with at least 30 served consecutively).
- Veterans: Must have completed qualifying service and received an honorable or general discharge.
- Active-Duty Military: Current service members may be eligible based on time in service.
- Guard and Reserve Members: Eligibility applies with sufficient years of service or specific active-duty stints.
- Eligible Surviving Spouses: Spouses of service members who passed away in service or from service-connected causes may also qualify.
VA Loan Eligibility Calculator
VA Loan vs. Conventional Loan: 2025 Comparison
| Feature | VA Loans | Conventional Loans |
|---|---|---|
| Down Payment | 0% | 5%–20% |
| PMI | Not Required | Required under 20% down |
| Interest Rate | Lower (avg. 6.2%) | Higher (avg. 6.8%) |
| Credit Score | 580–620 typical | 620+ minimum |
| Funding Fee | 2.3% (first use) | None |
| Prepayment Penalty | None | May apply |
VA Loan Eligibility and Certificate of Eligibility (COE)
To use a VA loan in Pflugerville, you’ll need to meet military service requirements and obtain your Certificate of Eligibility (COE) from the VA. This confirms your entitlement and eligibility for lenders.
- Wartime Service: 90 consecutive days
- Peacetime Service: 181 continuous days
- Guard/Reserve: 6 years or 90 days Title 32 (30 consecutive)
- Surviving Spouses: May qualify if receiving DIC
How to Get Your COE
- Online: eBenefits portal
- Lender Portal: Instant retrieval through VA-approved lenders
- Mail: Submit VA Form 26-1880
Credit and Income Requirements
VA loans are more flexible than conventional mortgages. Most lenders accept a credit score as low as 580 and allow higher debt-to-income (DTI) if you meet the VA’s residual income test.
- Credit Score: 580–620 accepted by many lenders
- Debt-to-Income Ratio: Preferred at 41%, exceptions allowed
- Income Sources: Salary, retirement, VA disability, Social Security, self-employment
- Residual Income: Required by VA to ensure affordability
Occupancy Guidelines
- Primary Residence Only: VA loans are for homes you will live in
- Occupancy Deadline: Move in within 60 days of closing
- Multi-Unit Properties: Up to 4 units eligible if you live in one
VA Funding Fee in 2025
The VA funding fee helps fund the VA loan program. It can be rolled into your mortgage or paid upfront. Veterans with service-connected disabilities or Purple Heart status are exempt.
- First-Time Use: 2.3% (0% down)
- Subsequent Use: 3.6%
- 5% Down: 1.65%
- 10% Down: 1.4%
- Exempt: 0% if disabled or Purple Heart recipient
| Down Payment | First Use | Subsequent Use |
|---|---|---|
| 0% | 2.3% | 3.6% |
| 5%–9.99% | 1.65% | 1.65% |
| 10%+ | 1.4% | 1.4% |
| VA Disability/Purple Heart | 0% (Exempt) | |
Using Your VA Loan Entitlement in Pflugerville
Entitlement refers to the portion of the loan the VA guarantees. If you have full entitlement, you can finance up to $806,500 with 0% down. Even if you’ve used it before, your VA entitlement can be restored.
- Basic Entitlement: $36,000 coverage up to $144,000 loan
- Bonus Entitlement: For loans above $144,000
- Partial Entitlement: Use remaining benefit for a second home
- Restoration: Apply after selling or refinancing
VA Refinance Options in Pflugerville
VA Streamline Refinance (IRRRL)
- Refinance an existing VA loan
- No appraisal or income verification typically needed
- 0.5% funding fee unless exempt
- Fast, paperwork-light option to lower your rate
VA Cash-Out Refinance
- Refinance a conventional or FHA loan into a VA loan
- Access equity for renovations, bills, or savings
- Appraisal and full documentation required
- Funding fee: 2.3%–3.6%
The Bottom Line
Pflugerville gives Veterans the best of both worlds—close proximity to Austin with more space and affordability. With rising prices and strong demand, using your VA loan here ensures you can compete with cash buyers and still purchase with 0% down. Take advantage of your entitlement to build equity in a fast-growing community.
Check VA Rates and Start Your Pre-Approval Today
Frequently Asked Questions About VA Loans in Pflugerville
1. What is the 2025 VA loan limit in Pflugerville?
The VA loan limit in Pflugerville—and across Texas—is $806,500 in 2025. This means eligible Veterans with full entitlement can finance up to this amount with no down payment.
2. Can I buy a new construction home in Pflugerville with a VA loan?
Yes. VA loans can be used to finance new homes, including those built by VA-approved builders. The home must meet VA Minimum Property Requirements (MPRs).
3. What credit score is needed for a VA loan in Pflugerville?
Most lenders prefer a minimum credit score between 580 and 620. Some may accept lower scores depending on your residual income and DTI ratio.
4. Is mortgage insurance required with VA loans?
No. VA loans do not require private mortgage insurance (PMI), saving buyers hundreds per month. This is a major advantage over FHA or conventional loans.
5. How do I get my VA Certificate of Eligibility (COE)?
You can request your COE through the VA eBenefits portal, through a VA-approved lender, or by submitting VA Form 26-1880.
6. Can I refinance my VA loan in Pflugerville?
Yes. If you already have a VA loan, consider a VA Streamline Refinance (IRRRL). You can also use a Cash-Out Refinance to tap into equity.
7. Can I use a VA loan more than once?
Yes. VA loan benefits are reusable. You can restore entitlement after selling a home or apply for one-time restoration without selling.
8. What types of properties qualify for VA loans?
Eligible property types include single-family homes, condos (VA-approved), townhomes, and 2–4 unit multifamily properties if you occupy one unit full-time.
9. Are there Veteran-specific assistance programs in Pflugerville?
Yes. Programs like the TSAHC Heroes Program and Texas Veterans Land Board provide down payment and rate assistance to Veterans.
10. What closing costs should I expect with a VA loan in Pflugerville?
Expect standard fees such as appraisal, title, and funding fee (if not exempt). Sellers may pay up to 4% of closing costs, and some fees may be financed.
