Texas VA residential fees increase 01MAY26

If you’re a veteran or active service member in Texas preparing to purchase or refinance a VA loan, it’s important to be aware of the upcoming increase in residential appraisal fees effective May 1, 2026. From personal experience assisting clients, appraisal fees are typically an out-of-pocket cost that borrowers need to budget for separately from other loan fees. The increase, which is around $100 more than previous rates, particularly impacts high-demand areas such as El Paso County where fees for single-family homes can go up to $800, manufactured homes around $850, and multi-family units as high as $1,000. When I guided clients through this process, I advised them to check the official Veterans Affairs fee schedule or contact local appraisers to confirm the exact costs for their property type and location. Being proactive about this can help avoid surprises at closing and makes financial planning smoother. These fee adjustments typically reflect increased demand and operational costs in certain counties, so it’s a good reminder to factor in regional differences—something I’ve learned is crucial with VA loans. If you’re considering a VA home loan in Texas, make sure to reach out to your loan officer or appraiser ahead of time and ask for an updated fee estimate. Also, keep in mind that appraisal fees are just one of several closing costs associated with VA loans, but for many, it’s a notable out-of-pocket expense that can’t be financed. Budgeting for this ensures your loan process goes as planned without last-minute financial stress. Staying informed about these fee changes allows veterans to better manage their home buying journey efficiently and confidently.