Fort Worth VA Loan Rates, Closing Costs & Stats

FORT WORTH-ARLINGTON-GRAPEVINE, 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.

    Fort Worth VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Fort Worth averaged 0% for the week of 2025-04-25, compared to the national average (all VA variants) of 6.452% for the same period.

    Fort Worth's average VA mortgage closing costs are $0.

    The average rate for the prior week (2025-04-18) was 0% and one month ago for the week of 2025-03-21, the average rate was 0%.

    The average rate one year ago was 0%.

    For refis of the same type during the week of 2025-04-25, the average rate was 0%.

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

    Fort Worth 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 Fort Worth level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs

    The lowest fee Fort Worth VA lenders (with over 10 loans originated) are .

    The lowest rate Fort Worth VA lenders (with over 10 loans originated) are .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Fort Worth (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 $354,950 (0.0%) $496,877 (-2.5%) 1.32 14,302
    2018-02-01 $369,450 (0.7%) $519,942 (-0.8%) 1.34 14,292
    2018-03-01 $374,330 (0.0%) $528,371 (-2.6%) 1.31 15,270
    2018-04-01 $378,700 (-0.3%) $537,065 (-3.0%) 1.28 16,629
    2018-05-01 $384,950 (0.8%) $543,255 (-1.8%) 1.29 18,222
    2018-06-01 $374,900 (0.0%) $525,258 (-2.9%) 1.25 20,153
    2018-07-01 $366,000 (-0.8%) $511,291 (-2.3%) 1.22 22,051
    2018-08-01 $350,000 (-2.0%) $486,626 (-2.3%) 1.17 22,543
    2018-09-01 $347,436 (-0.7%) $483,076 (-2.8%) 1.17 22,643
    2018-10-01 $345,000 (-1.6%) $482,652 (-3.3%) 1.17 22,803
    2018-11-01 $344,900 (-1.5%) $482,839 (-2.9%) 1.17 22,367
    2018-12-01 $339,990 (-2.9%) $476,952 (-3.4%) 1.17 20,538
    2019-01-01 $339,945 (-4.2%) $472,167 (-5.0%) 1.17 18,995
    2019-02-01 $347,465 (-6.0%) $486,417 (-6.5%) 1.17 19,529
    2019-03-01 $353,714 (-5.5%) $497,774 (-5.8%) 1.16 20,204
    2019-04-01 $360,000 (-4.9%) $508,841 (-5.3%) 1.14 21,049
    2019-05-01 $364,445 (-5.3%) $508,262 (-6.4%) 1.14 22,293
    2019-06-01 $359,100 (-4.2%) $503,331 (-4.2%) 1.12 23,921
    2019-07-01 $355,098 (-3.0%) $493,714 (-3.4%) 1.11 24,732
    2019-08-01 $347,947 (-0.6%) $481,665 (-1.0%) 1.10 24,706
    2019-09-01 $344,883 (-0.7%) $477,985 (-1.1%) 1.10 24,317
    2019-10-01 $344,085 (-0.3%) $477,297 (-1.1%) 1.11 23,804
    2019-11-01 $342,900 (-0.6%) $476,302 (-1.4%) 1.12 22,134
    2019-12-01 $337,646 (-0.7%) $469,782 (-1.5%) 1.13 19,620
    2020-01-01 $336,250 (-1.1%) $466,533 (-1.2%) 1.12 17,941
    2020-02-01 $340,000 (-2.2%) $475,039 (-2.3%) 1.11 17,633
    2020-03-01 $329,192 (-6.9%) $449,529 (-9.7%) 1.03 19,663
    2020-04-01 $339,996 (-5.6%) $471,216 (-7.4%) 1.07 18,613
    2020-05-01 $350,000 (-4.0%) $497,400 (-2.1%) 1.06 18,801
    2020-06-01 $359,000 (0.0%) $514,859 (2.3%) 1.06 16,970
    2020-07-01 $360,000 (1.4%) $523,178 (6.0%) 1.04 15,860
    2020-08-01 $360,750 (3.7%) $531,265 (10.3%) 1.03 14,746
    2020-09-01 $361,750 (4.9%) $543,102 (13.6%) 1.04 13,601
    2020-10-01 $359,000 (4.3%) $550,450 (15.3%) 1.03 12,715
    2020-11-01 $362,050 (5.6%) $560,495 (17.7%) 1.06 11,170
    2020-12-01 $357,998 (6.0%) $559,600 (19.1%) 1.06 9,411
    2021-01-01 $350,000 (4.1%) $552,600 (18.5%) 1.04 8,067
    2021-02-01 $359,700 (5.8%) $578,067 (21.7%) 1.05 6,215
    2021-03-01 $366,350 (11.3%) $578,992 (28.8%) 1.04 5,818
    2021-04-01 $375,000 (10.3%) $594,801 (26.2%) 1.02 5,690
    2021-05-01 $381,167 (8.9%) $583,766 (17.4%) 1.01 6,010
    2021-06-01 $389,945 (8.6%) $590,901 (14.8%) 1.03 6,943
    2021-07-01 $397,160 (10.3%) $576,239 (10.1%) 1.05 8,386
    2021-08-01 $399,000 (10.6%) $566,026 (6.5%) 1.06 9,246
    2021-09-01 $398,852 (10.3%) $563,098 (3.7%) 1.06 8,917
    2021-10-01 $399,000 (11.1%) $574,863 (4.4%) 1.06 8,278
    2021-11-01 $400,000 (10.5%) $583,580 (4.1%) 1.07 7,345
    2021-12-01 $400,000 (11.7%) $583,982 (4.4%) 1.08 6,255
    2022-01-01 $403,900 (15.4%) $596,766 (8.0%) 1.09 4,892
    2022-02-01 $412,000 (14.5%) $640,055 (10.7%) 1.07 4,138
    2022-03-01 $425,000 (16.0%) $656,890 (13.5%) 1.06 4,548
    2022-04-01 $441,900 (17.8%) $672,766 (13.1%) 1.05 5,421
    2022-05-01 $476,203 (24.9%) $677,812 (16.1%) 1.09 8,075
    2022-06-01 $490,793 (25.9%) $672,491 (13.8%) 1.09 11,269
    2022-07-01 $480,710 (21.0%) $644,577 (11.9%) 1.08 14,833
    2022-08-01 $462,551 (15.9%) $617,824 (9.2%) 1.07 16,511
    2022-09-01 $453,995 (13.8%) $610,938 (8.5%) 1.06 16,489
    2022-10-01 $450,000 (12.8%) $612,367 (6.5%) 1.06 17,451
    2022-11-01 $448,450 (12.1%) $609,378 (4.4%) 1.08 17,855
    2022-12-01 $438,999 (9.8%) $598,145 (2.4%) 1.08 16,321
    2023-01-01 $433,500 (7.3%) $590,024 (-1.1%) 1.07 14,667
    2023-02-01 $435,000 (5.6%) $598,105 (-6.6%) 1.05 12,774
    2023-03-01 $442,166 (4.0%) $618,586 (-5.8%) 1.04 12,395
    2023-04-01 $459,900 (4.1%) $648,730 (-3.6%) 1.07 12,533
    2023-05-01 $469,399 (-1.4%) $667,501 (-1.5%) 1.06 13,169
    2023-06-01 $473,500 (-3.5%) $671,036 (-0.2%) 1.06 14,677
    2023-07-01 $470,000 (-2.2%) $665,462 (3.2%) 1.07 16,132
    2023-08-01 $465,004 (0.5%) $651,171 (5.4%) 1.07 16,922
    2023-09-01 $450,000 (-0.9%) $644,200 (5.4%) 1.05 17,261
    2023-10-01 $449,000 (-0.2%) $647,680 (5.8%) 1.06 18,601
    2023-11-01 $445,000 (-0.8%) $637,626 (4.6%) 1.06 18,924
    2023-12-01 $435,000 (-0.9%) $628,356 (5.1%) 1.06 17,355
    2024-01-01 $431,088 (-0.6%) $612,069 (3.7%) 1.05 15,782
    2024-02-01 $435,000 (0.0%) $618,316 (3.4%) 1.05 16,017
    2024-03-01 $439,990 (-0.5%) $628,977 (1.7%) 1.04 17,101
    2024-04-01 $449,900 (-2.2%) $648,240 (-0.1%) 1.05 18,535
    2024-05-01 $454,500 (-3.2%) $660,975 (-1.0%) 1.03 20,082
    2024-06-01 $450,178 (-4.9%) $656,479 (-2.2%) 1.02 22,368
    2024-07-01 $450,000 (-4.3%) $640,440 (-3.8%) 1.03 24,436
    2024-08-01 $444,999 (-4.3%) $623,720 (-4.2%) 1.03 25,480
    2024-09-01 $439,450 (-2.3%) $617,367 (-4.2%) 1.03 25,769
    2024-10-01 $434,500 (-3.2%) $614,235 (-5.2%) 1.02 25,909
    2024-11-01 $428,000 (-3.8%) $610,033 (-4.3%) 1.03 25,494
    2024-12-01 $422,450 (-2.9%) $600,315 (-4.5%) 1.05 22,744
    2025-01-01 $415,500 (-3.6%) $591,167 (-3.4%) 1.04 21,422
    2025-02-01 $415,950 (-4.4%) $595,119 (-3.8%) 1.01 21,794
    2025-03-01 $423,503 (-3.8%) $613,883 (-2.4%) 1.00 23,675
    Fort Worth's median listing price for 2025-03-01 was $423,503, a difference of $-16,487 (-3.8%) versus the prior year and $7,553 versus the prior month.

    Fort Worth's median listing price comes in at 100% of the national average.

    Fort Worth's average listing price for 2025-03-01 was $613,883, a difference of $-15,094 (-2.4%) versus the prior year and $18,764 versus the prior month.

    For the 2025-03-01 period, Fort Worth had 23,675 MLS listings, a difference of 1,881 listings (9%) versus the prior month and 6,574 listings (38%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Fort Worth (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 64 days 2,590 sqft
    2018-02-01 48 days 2,635 sqft
    2018-03-01 43 days 2,644 sqft
    2018-04-01 39 days 2,675 sqft
    2018-05-01 37 days 2,721 sqft
    2018-06-01 39 days 2,672 sqft
    2018-07-01 40 days 2,627 sqft
    2018-08-01 47 days 2,551 sqft
    2018-09-01 52 days 2,516 sqft
    2018-10-01 56 days 2,499 sqft
    2018-11-01 59 days 2,469 sqft
    2018-12-01 65 days 2,437 sqft
    2019-01-01 67 days 2,415 sqft
    2019-02-01 57 days 2,439 sqft
    2019-03-01 46 days 2,474 sqft
    2019-04-01 44 days 2,507 sqft
    2019-05-01 44 days 2,521 sqft
    2019-06-01 47 days 2,515 sqft
    2019-07-01 49 days 2,490 sqft
    2019-08-01 51 days 2,439 sqft
    2019-09-01 53 days 2,416 sqft
    2019-10-01 54 days 2,405 sqft
    2019-11-01 58 days 2,397 sqft
    2019-12-01 65 days 2,351 sqft
    2020-01-01 66 days 2,328 sqft
    2020-02-01 50 days 2,337 sqft
    2020-03-01 43 days 2,305 sqft
    2020-04-01 49 days 2,328 sqft
    2020-05-01 52 days 2,392 sqft
    2020-06-01 46 days 2,403 sqft
    2020-07-01 45 days 2,396 sqft
    2020-08-01 44 days 2,369 sqft
    2020-09-01 45 days 2,319 sqft
    2020-10-01 46 days 2,297 sqft
    2020-11-01 48 days 2,255 sqft
    2020-12-01 52 days 2,206 sqft
    2021-01-01 49 days 2,162 sqft
    2021-02-01 39 days 2,157 sqft
    2021-03-01 38 days 2,156 sqft
    2021-04-01 29 days 2,151 sqft
    2021-05-01 29 days 2,174 sqft
    2021-06-01 28 days 2,175 sqft
    2021-07-01 27 days 2,173 sqft
    2021-08-01 31 days 2,179 sqft
    2021-09-01 36 days 2,168 sqft
    2021-10-01 36 days 2,154 sqft
    2021-11-01 38 days 2,153 sqft
    2021-12-01 42 days 2,147 sqft
    2022-01-01 40 days 2,124 sqft
    2022-02-01 32 days 2,106 sqft
    2022-03-01 24 days 2,117 sqft
    2022-04-01 23 days 2,154 sqft
    2022-05-01 21 days 2,249 sqft
    2022-06-01 22 days 2,304 sqft
    2022-07-01 29 days 2,294 sqft
    2022-08-01 35 days 2,262 sqft
    2022-09-01 43 days 2,249 sqft
    2022-10-01 44 days 2,248 sqft
    2022-11-01 49 days 2,242 sqft
    2022-12-01 59 days 2,216 sqft
    2023-01-01 64 days 2,190 sqft
    2023-02-01 59 days 2,192 sqft
    2023-03-01 46 days 2,217 sqft
    2023-04-01 39 days 2,272 sqft
    2023-05-01 37 days 2,305 sqft
    2023-06-01 36 days 2,321 sqft
    2023-07-01 37 days 2,318 sqft
    2023-08-01 42 days 2,296 sqft
    2023-09-01 44 days 2,249 sqft
    2023-10-01 46 days 2,227 sqft
    2023-11-01 50 days 2,211 sqft
    2023-12-01 58 days 2,187 sqft
    2024-01-01 63 days 2,165 sqft
    2024-02-01 48 days 2,158 sqft
    2024-03-01 40 days 2,177 sqft
    2024-04-01 40 days 2,201 sqft
    2024-05-01 39 days 2,232 sqft
    2024-06-01 43 days 2,233 sqft
    2024-07-01 44 days 2,224 sqft
    2024-08-01 49 days 2,200 sqft
    2024-09-01 53 days 2,188 sqft
    2024-10-01 56 days 2,167 sqft
    2024-11-01 58 days 2,141 sqft
    2024-12-01 66 days 2,117 sqft
    2025-01-01 69 days 2,100 sqft
    2025-02-01 56 days 2,100 sqft
    2025-03-01 45 days 2,112 sqft
    Fort Worth's median listing age (time on market) for 2025-03-01 was 45 days. This is 13% longer than the same period one year ago.

    Fort Worth's median square footage for active listings during the 2025-03-01 period was 2,112 sqft. One year prior, the average listing was 2,177 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.