Eagle Pass VA Loan Rates, Closing Costs & Stats

Eagle Pass, TX

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    • A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. The VA does not directly lend, it guarantees the loans made by private lenders to veterans, active military personnel, and qualifying military spouses.

    The most obvious benefit of VA loans is that no downpayment is necessary to purchase a home. They will also typically have significantly lower fees-- meaning that if you're eligible to receive a VA loan, it will likely be the most favorable option. VA loans come in 3 varities: purchase, refinance and cash out refis.

    For additional benefits of VA loans, click here.

    Eagle Pass's 11 lenders originated 32 VA loans during 2024. The total origination value was $9,610,000, with an average VA loan value of $300,313.

    Eagle Pass VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Eagle Pass averaged 6.47% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

    Eagle Pass's average VA mortgage closing costs are $5,257.

    The average rate for the prior week (2025-03-28) was 6.69% and one month ago for the week of 2025-02-28, the average rate was 6.36%.

    The average rate one year ago was 6.77%.

    For refis of the same type during the week of 2025-04-04, the average rate was 6.26%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Eagle Pass VA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for VA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Eagle Pass level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 10 6.06% $5,120
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 9 6.68% $6,768
    USAA Federal Savings Bank 2 6.81% $11,006
    Equity Prime Mortgage LLC 1 5.25% $5,170
    NEW FED MORTGAGE, CORP. 1 5.75% $7,358
    PANORAMA MORTGAGE GROUP, LLC 1 6.75% $9,807
    PENNYMAC LOAN SERVICES, LLC 1 5.25% $4,461
    UNITED WHOLESALE MORTGAGE, LLC 1 6.12% $5,034
    NAVY FEDERAL CREDIT UNION 1 5.38% $3,446
    First Option Mortgage, LLC 1 6.13% $16,993
    Lakeview Community Capital, LLC 1 5.75% $4,843

    The top Eagle Pass VA lender as defined by loan originations is Mortgage Research Center, LLC, with 10 VA loans originated. Their average total fees are $5,120, which is $1,649 lower than the next largest lender, FAIRWAY INDEPENDENT MORTGAGE CORPORATION.

    The lowest fee Eagle Pass VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($5,120), .

    The lowest rate Eagle Pass VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC (6.06%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Eagle Pass (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $151,500 (2.4%) $167,749 (5.9%) 0.00 218
    2018-02-01 $149,500 (2.1%) $169,915 (9.2%) 0.00 222
    2018-03-01 $145,000 (0.0%) $166,487 (7.1%) 0.00 232
    2018-04-01 $145,000 (-1.0%) $167,204 (6.5%) 0.00 233
    2018-05-01 $148,500 (-0.1%) $169,937 (7.2%) 0.00 243
    2018-06-01 $149,000 (1.7%) $168,106 (6.7%) 0.00 243
    2018-07-01 $148,750 (2.6%) $167,010 (5.6%) 0.00 255
    2018-08-01 $146,500 (0.3%) $166,196 (5.3%) 0.00 265
    2018-09-01 $155,000 (3.9%) $171,204 (5.3%) 0.00 263
    2018-10-01 $159,200 (7.5%) $174,095 (6.3%) 0.00 258
    2018-11-01 $158,250 (6.4%) $172,891 (4.8%) 0.00 252
    2018-12-01 $156,000 (4.7%) $171,711 (2.7%) 0.00 239
    2019-01-01 $152,875 (0.9%) $172,253 (2.7%) 0.00 234
    2019-02-01 $149,850 (0.2%) $170,298 (0.2%) 0.00 244
    2019-03-01 $148,929 (2.7%) $167,811 (0.8%) 0.00 232
    2019-04-01 $148,029 (2.1%) $167,384 (0.1%) 0.00 210
    2019-05-01 $150,000 (1.0%) $172,780 (1.7%) 0.00 196
    2019-06-01 $150,000 (0.7%) $173,607 (3.3%) 0.00 190
    2019-07-01 $150,000 (0.8%) $174,147 (4.3%) 0.00 193
    2019-08-01 $148,636 (1.5%) $171,343 (3.1%) 0.00 198
    2019-09-01 $146,591 (-5.4%) $167,762 (-2.0%) 0.00 199
    2019-10-01 $145,000 (-8.9%) $166,354 (-4.5%) 0.00 204
    2019-11-01 $145,000 (-8.4%) $165,959 (-4.0%) 0.00 218
    2019-12-01 $149,875 (-3.9%) $167,848 (-2.3%) 0.00 219
    2020-01-01 $150,000 (-1.9%) $166,912 (-3.1%) 0.00 219
    2020-02-01 $152,500 (1.8%) $166,314 (-2.3%) 0.00 229
    2020-03-01 $156,325 (5.0%) $172,155 (2.6%) 0.00 224
    2020-04-01 $162,125 (9.5%) $176,251 (5.3%) 0.00 225
    2020-05-01 $160,000 (6.7%) $174,074 (0.8%) 0.00 212
    2020-06-01 $160,000 (6.7%) $176,468 (1.7%) 0.00 201
    2020-07-01 $166,000 (10.7%) $177,021 (1.7%) 0.00 199
    2020-08-01 $160,000 (7.7%) $171,987 (0.4%) 0.00 185
    2020-09-01 $166,750 (13.8%) $175,959 (4.9%) 0.00 176
    2020-10-01 $160,000 (10.3%) $171,437 (3.1%) 0.00 169
    2020-11-01 $164,925 (13.7%) $173,710 (4.7%) 0.00 158
    2020-12-01 $165,500 (10.4%) $178,713 (6.5%) 0.00 151
    2021-01-01 $165,000 (10.0%) $177,703 (6.5%) 0.00 148
    2021-02-01 $175,000 (14.8%) $183,982 (10.6%) 0.00 152
    2021-03-01 $175,000 (12.0%) $184,355 (7.1%) 0.00 142
    2021-04-01 $175,000 (7.9%) $187,136 (6.2%) 0.00 136
    2021-05-01 $167,000 (4.4%) $184,719 (6.1%) 0.00 122
    2021-06-01 $159,000 (-0.6%) $186,333 (5.6%) 0.00 118
    2021-07-01 $175,000 (5.4%) $192,401 (8.7%) 0.00 124
    2021-08-01 $177,500 (10.9%) $192,895 (12.2%) 0.00 116
    2021-09-01 $176,000 (5.6%) $195,836 (11.3%) 0.00 107
    2021-10-01 $171,500 (7.2%) $191,533 (11.7%) 0.00 109
    2021-11-01 $174,475 (5.8%) $192,137 (10.6%) 0.00 113
    2021-12-01 $182,500 (10.3%) $195,657 (9.5%) 0.00 116
    2022-01-01 $189,000 (14.6%) $194,229 (9.3%) 0.00 115
    2022-02-01 $198,500 (13.4%) $202,590 (10.1%) 0.00 136
    2022-03-01 $199,525 (14.0%) $205,313 (11.4%) 0.00 129
    2022-04-01 $219,900 (25.7%) $218,489 (16.8%) 0.00 123
    2022-05-01 $219,600 (31.5%) $220,844 (19.6%) 0.00 125
    2022-06-01 $219,250 (37.9%) $222,696 (19.5%) 0.00 136
    2022-07-01 $225,000 (28.6%) $226,898 (17.9%) 0.00 142
    2022-08-01 $235,000 (32.4%) $240,351 (24.6%) 0.00 148
    2022-09-01 $235,400 (33.8%) $243,724 (24.5%) 0.00 153
    2022-10-01 $235,800 (37.5%) $252,905 (32.0%) 0.00 166
    2022-11-01 $235,250 (34.8%) $251,294 (30.8%) 0.00 173
    2022-12-01 $237,800 (30.3%) $253,880 (29.8%) 0.00 170
    2023-01-01 $239,950 (27.0%) $256,152 (31.9%) 0.00 152
    2023-02-01 $239,225 (20.5%) $262,737 (29.7%) 0.00 153
    2023-03-01 $235,500 (18.0%) $260,735 (27.0%) 0.00 138
    2023-04-01 $232,000 (5.5%) $252,162 (15.4%) 0.00 130
    2023-05-01 $251,250 (14.4%) $267,051 (20.9%) 0.00 122
    2023-06-01 $262,500 (19.7%) $274,171 (23.1%) 0.00 132
    2023-07-01 $262,500 (16.7%) $275,453 (21.4%) 0.00 129
    2023-08-01 $265,000 (12.8%) $277,395 (15.4%) 0.00 136
    2023-09-01 $265,000 (12.6%) $275,402 (13.0%) 0.00 130
    2023-10-01 $263,500 (11.8%) $275,200 (8.8%) 0.00 131
    2023-11-01 $259,975 (10.5%) $276,175 (9.9%) 0.00 137
    2023-12-01 $256,300 (7.8%) $279,630 (10.1%) 0.00 137
    2024-01-01 $257,800 (7.4%) $287,047 (12.1%) 0.00 137
    2024-02-01 $259,125 (8.3%) $283,166 (7.8%) 0.00 142
    2024-03-01 $259,750 (10.3%) $281,747 (8.1%) 0.00 145
    2024-04-01 $258,500 (11.4%) $279,430 (10.8%) 0.00 135
    2024-05-01 $265,000 (5.5%) $283,267 (6.1%) 0.00 134
    2024-06-01 $265,000 (1.0%) $285,266 (4.1%) 0.00 140
    2024-07-01 $275,000 (4.8%) $288,800 (4.9%) 0.00 155
    2024-08-01 $278,000 (4.9%) $291,969 (5.3%) 0.00 162
    2024-09-01 $278,000 (4.9%) $291,175 (5.7%) 0.00 172
    2024-10-01 $275,000 (4.4%) $287,415 (4.4%) 0.00 178
    2024-11-01 $275,250 (5.9%) $288,741 (4.6%) 0.00 180
    2024-12-01 $282,750 (10.3%) $293,214 (4.9%) 0.00 187
    2025-01-01 $277,745 (7.7%) $293,518 (2.3%) 0.00 189
    2025-02-01 $285,000 (10.0%) $293,278 (3.6%) 0.00 185
    2025-03-01 $285,000 (9.7%) $293,392 (4.1%) 0.00 200
    Eagle Pass's median listing price for 2025-03-01 was $285,000, a difference of $25,250 (9.7%) versus the prior year and $0 versus the prior month.

    Eagle Pass's median listing price comes in at 0% of the national average.

    Eagle Pass's average listing price for 2025-03-01 was $293,392, a difference of $11,645 (4.1%) versus the prior year and $114 versus the prior month.

    For the 2025-03-01 period, Eagle Pass had 200 MLS listings, a difference of 15 listings (8%) versus the prior month and 55 listings (38%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Eagle Pass (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,651 sqft
    2018-02-01 0 days 1,653 sqft
    2018-03-01 0 days 1,567 sqft
    2018-04-01 0 days 1,570 sqft
    2018-05-01 0 days 1,587 sqft
    2018-06-01 0 days 1,592 sqft
    2018-07-01 0 days 1,596 sqft
    2018-08-01 0 days 1,598 sqft
    2018-09-01 0 days 1,605 sqft
    2018-10-01 0 days 1,616 sqft
    2018-11-01 0 days 1,566 sqft
    2018-12-01 0 days 1,560 sqft
    2019-01-01 0 days 1,530 sqft
    2019-02-01 0 days 1,524 sqft
    2019-03-01 0 days 1,511 sqft
    2019-04-01 0 days 1,504 sqft
    2019-05-01 0 days 1,549 sqft
    2019-06-01 0 days 1,550 sqft
    2019-07-01 0 days 1,548 sqft
    2019-08-01 0 days 1,528 sqft
    2019-09-01 0 days 1,503 sqft
    2019-10-01 0 days 1,498 sqft
    2019-11-01 0 days 1,493 sqft
    2019-12-01 0 days 1,519 sqft
    2020-01-01 0 days 1,506 sqft
    2020-02-01 0 days 1,491 sqft
    2020-03-01 0 days 1,507 sqft
    2020-04-01 0 days 1,529 sqft
    2020-05-01 0 days 1,516 sqft
    2020-06-01 0 days 1,510 sqft
    2020-07-01 0 days 1,481 sqft
    2020-08-01 0 days 1,454 sqft
    2020-09-01 0 days 1,456 sqft
    2020-10-01 0 days 1,464 sqft
    2020-11-01 0 days 1,448 sqft
    2020-12-01 0 days 1,445 sqft
    2021-01-01 0 days 1,465 sqft
    2021-02-01 0 days 1,467 sqft
    2021-03-01 0 days 1,463 sqft
    2021-04-01 0 days 1,503 sqft
    2021-05-01 0 days 1,446 sqft
    2021-06-01 0 days 1,431 sqft
    2021-07-01 0 days 1,486 sqft
    2021-08-01 0 days 1,490 sqft
    2021-09-01 0 days 1,489 sqft
    2021-10-01 0 days 1,499 sqft
    2021-11-01 0 days 1,436 sqft
    2021-12-01 0 days 1,418 sqft
    2022-01-01 0 days 1,444 sqft
    2022-02-01 0 days 1,452 sqft
    2022-03-01 0 days 1,460 sqft
    2022-04-01 0 days 1,486 sqft
    2022-05-01 0 days 1,483 sqft
    2022-06-01 0 days 1,483 sqft
    2022-07-01 0 days 1,506 sqft
    2022-08-01 0 days 1,532 sqft
    2022-09-01 0 days 1,538 sqft
    2022-10-01 0 days 1,540 sqft
    2022-11-01 0 days 1,530 sqft
    2022-12-01 0 days 1,530 sqft
    2023-01-01 0 days 1,539 sqft
    2023-02-01 0 days 1,539 sqft
    2023-03-01 0 days 1,542 sqft
    2023-04-01 0 days 1,546 sqft
    2023-05-01 0 days 1,586 sqft
    2023-06-01 0 days 1,580 sqft
    2023-07-01 0 days 1,578 sqft
    2023-08-01 0 days 1,555 sqft
    2023-09-01 0 days 1,550 sqft
    2023-10-01 0 days 1,543 sqft
    2023-11-01 0 days 1,541 sqft
    2023-12-01 0 days 1,523 sqft
    2024-01-01 0 days 1,527 sqft
    2024-02-01 0 days 1,530 sqft
    2024-03-01 0 days 1,529 sqft
    2024-04-01 0 days 1,530 sqft
    2024-05-01 0 days 1,554 sqft
    2024-06-01 0 days 1,554 sqft
    2024-07-01 0 days 1,557 sqft
    2024-08-01 0 days 1,575 sqft
    2024-09-01 0 days 1,554 sqft
    2024-10-01 0 days 1,549 sqft
    2024-11-01 0 days 1,546 sqft
    2024-12-01 0 days 1,555 sqft
    2025-01-01 0 days 1,552 sqft
    2025-02-01 0 days 1,555 sqft
    2025-03-01 0 days 1,553 sqft
    Eagle Pass's median listing age (time on market) for 2025-03-01 was 0 days.

    Eagle Pass's median square footage for active listings during the 2025-03-01 period was 1,553 sqft. One year prior, the average listing was 1,529 sqft.

    VA Loan Features

  • No down payment required
  • Negotiable and competitive interest rate.
  • Ability to finance the VA funding fee (plus reduced funding fees with a down payment of at least 5 percent and exemption for veterans receiving VA compensation).
  • VA rules limit the amount you can be charged for closing costs.
  • Closing costs are comparable with other financing types (and may be lower).
  • Closing costs may be paid by the seller.
  • No private mortgage insurance premiums are required.
  • An assumable mortgage.
  • Right to prepay your mortgage without penalty.
  • For homes inspected by VA during construction, a warranty from builder and assistance from VA to obtain cooperation of builder.
  • VA assistance to veteran borrowers in default due to temporary financial difficulty.