Huntsville VA Loan Rates, Closing Costs & Stats

Huntsville, 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.

    Huntsville's 31 lenders originated 66 VA loans during 2023. The total origination value was $22,940,000, with an average VA loan value of $347,576.

    Huntsville VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Huntsville averaged 6.42% for the week of 2025-02-14, compared to the national average (all VA variants) of 6.428% for the same period.

    Huntsville's average VA mortgage closing costs are $6,356.

    The average rate for the prior week (2025-02-07) was 6.45% and one month ago for the week of 2025-01-10, the average rate was 6.29%.

    The average rate one year ago was 6.31%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.53%.

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

    Huntsville 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 Huntsville level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    INSPIRE HOME LOANS INC. 10 5.70% $5,544
    DHI MORTGAGE COMPANY, LTD. 6 5.23% $7,775
    Mortgage Research Center, LLC 5 6.75% $5,723
    UNITED WHOLESALE MORTGAGE, LLC 5 6.45% $5,658
    AMCAP MORTGAGE, LTD. 3 5.71% $14,693
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 3 6.33% $7,190
    CORNERSTONE HOME LENDING, INC. 3 6.38% $7,801
    SWBC MORTGAGE CORPORATION 2 6.13% $10,726
    NAVY FEDERAL CREDIT UNION 2 5.19% $7,074
    GUARANTEED RATE, INC. 2 6.75% $2,901
    FREEDOM MORTGAGE CORPORATION 2 6.06% $13,308
    MORTGAGE SOLUTIONS OF COLORADO, LLC 2 7.75% $4,486
    NATIONS RELIABLE LENDING, LLC 1 6.75% $16,067
    Prosperity Bank 1 7.13% $4,243
    SECURITYNATIONAL MORTGAGE COMPANY 1 6.75% $8,136
    SENTE MORTGAGE, INC. 1 7.13% $5,899
    T2 FINANCIAL LLC 1 7.13% $11,869
    USAA Federal Savings Bank 1 5.63% $8,107
    VILLAGE CAPITAL MORTGAGE 1 5.88% $2,228
    WILLOW BEND MORTGAGE COMPANY, LLC 1 6.13% $32,380
    CARDINAL FINANCIAL 1 6.75% $13,024
    Century Mortgage Company DBA Century Lending Company 1 6.75% $4,314
    CROSSCOUNTRY MORTGAGE, LLC 1 5.99% $10,545
    Equity Prime Mortgage LLC 1 6.13% $4,756
    EUSTIS AND AMERICAN MORTGAGE COMPANY 1 6.63% $14,505
    Flagstar Bank, FSB 1 6.25% $3,106
    GSF Mortgage Corporation 1 6.13% $9,678
    GUARANTEED RATE AFFINITY, LLC 1 6.15% $677
    GUILD MORTGAGE COMPANY 1 6.63% $11,703
    HOMETRUST MORTGAGE COMPANY 1 6.50% $5,445
    LOANDEPOT.COM, LLC 1 6.99% $10,035

    The top Huntsville VA lender as defined by loan originations is INSPIRE HOME LOANS INC., with 10 VA loans originated. Their average total fees are $5,544, which is $2,231 lower than the next largest lender, DHI MORTGAGE COMPANY, LTD..

    The lowest fee Huntsville VA lenders (with over 10 loans originated) are INSPIRE HOME LOANS INC. ($5,544), .

    The lowest rate Huntsville VA lenders (with over 10 loans originated) are INSPIRE HOME LOANS INC. (5.70%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Huntsville (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 $214,250 (6.2%) $277,613 (7.7%) 0.00 111
    2018-02-01 $216,448 (10.2%) $273,930 (6.6%) 0.00 114
    2018-03-01 $220,000 (10.3%) $278,451 (1.2%) 0.00 104
    2018-04-01 $229,198 (6.6%) $279,353 (2.5%) 0.00 108
    2018-05-01 $233,718 (7.5%) $292,437 (8.4%) 0.00 121
    2018-06-01 $236,995 (10.7%) $285,237 (6.7%) 0.00 129
    2018-07-01 $217,725 (2.7%) $255,608 (-2.1%) 0.00 146
    2018-08-01 $213,550 (1.7%) $245,194 (-3.7%) 0.00 149
    2018-09-01 $215,000 (2.4%) $245,138 (-5.9%) 0.00 147
    2018-10-01 $216,425 (0.7%) $245,633 (-6.2%) 0.00 129
    2018-11-01 $215,150 (-1.5%) $247,620 (-7.4%) 0.00 133
    2018-12-01 $210,000 (-4.5%) $231,553 (-15.2%) 0.00 129
    2019-01-01 $214,925 (0.3%) $227,880 (-17.9%) 0.00 127
    2019-02-01 $213,775 (-1.2%) $247,041 (-9.8%) 0.00 139
    2019-03-01 $214,371 (-2.6%) $252,893 (-9.2%) 0.00 137
    2019-04-01 $222,125 (-3.1%) $266,550 (-4.6%) 0.00 138
    2019-05-01 $227,450 (-2.7%) $263,645 (-9.9%) 0.00 144
    2019-06-01 $229,400 (-3.2%) $264,082 (-7.4%) 0.00 139
    2019-07-01 $228,950 (5.2%) $259,565 (1.6%) 0.00 156
    2019-08-01 $222,909 (4.4%) $255,744 (4.3%) 0.00 161
    2019-09-01 $221,273 (2.9%) $255,258 (4.1%) 0.00 165
    2019-10-01 $222,682 (2.9%) $257,037 (4.6%) 0.00 169
    2019-11-01 $223,500 (3.9%) $261,502 (5.6%) 0.00 176
    2019-12-01 $220,000 (4.8%) $266,052 (14.9%) 0.00 181
    2020-01-01 $217,850 (1.4%) $267,995 (17.6%) 0.00 164
    2020-02-01 $214,405 (0.3%) $265,262 (7.4%) 0.00 166
    2020-03-01 $218,351 (1.9%) $256,829 (1.6%) 0.00 168
    2020-04-01 $220,750 (-0.6%) $267,494 (0.4%) 0.00 167
    2020-05-01 $230,000 (1.1%) $275,579 (4.5%) 0.00 171
    2020-06-01 $235,000 (2.4%) $280,112 (6.1%) 0.00 174
    2020-07-01 $224,975 (-1.7%) $280,097 (7.9%) 0.00 188
    2020-08-01 $224,950 (0.9%) $275,956 (7.9%) 0.00 196
    2020-09-01 $218,000 (-1.5%) $264,308 (3.6%) 0.00 192
    2020-10-01 $214,550 (-3.7%) $266,791 (3.8%) 0.00 153
    2020-11-01 $210,161 (-6.0%) $254,430 (-2.7%) 0.00 142
    2020-12-01 $208,625 (-5.2%) $250,567 (-5.8%) 0.00 134
    2021-01-01 $211,125 (-3.1%) $254,857 (-4.9%) 0.00 102
    2021-02-01 $218,475 (1.9%) $274,085 (3.3%) 0.00 91
    2021-03-01 $217,656 (-0.3%) $278,634 (8.5%) 0.00 70
    2021-04-01 $250,924 (13.7%) $299,996 (12.2%) 0.00 65
    2021-05-01 $239,900 (4.3%) $282,575 (2.5%) 0.00 61
    2021-06-01 $221,225 (-5.9%) $284,338 (1.5%) 0.00 64
    2021-07-01 $244,500 (8.7%) $285,753 (2.0%) 0.00 68
    2021-08-01 $237,450 (5.6%) $285,438 (3.4%) 0.00 65
    2021-09-01 $234,901 (7.8%) $276,180 (4.5%) 0.00 69
    2021-10-01 $247,450 (15.3%) $297,938 (11.7%) 0.00 76
    2021-11-01 $249,975 (18.9%) $338,489 (33.0%) 0.00 92
    2021-12-01 $253,993 (21.8%) $334,812 (33.6%) 0.00 93
    2022-01-01 $253,445 (20.0%) $336,240 (31.9%) 0.00 100
    2022-02-01 $249,900 (14.4%) $335,175 (22.3%) 0.00 97
    2022-03-01 $258,098 (18.6%) $342,105 (22.8%) 0.00 92
    2022-04-01 $259,900 (3.6%) $339,438 (13.2%) 0.00 98
    2022-05-01 $272,045 (13.4%) $347,077 (22.8%) 0.00 154
    2022-06-01 $271,945 (22.9%) $333,268 (17.2%) 0.00 194
    2022-07-01 $276,990 (13.3%) $339,157 (18.7%) 0.00 214
    2022-08-01 $275,245 (15.9%) $340,135 (19.2%) 0.00 187
    2022-09-01 $270,976 (15.4%) $326,935 (18.4%) 0.00 183
    2022-10-01 $267,650 (8.2%) $320,369 (7.5%) 0.00 194
    2022-11-01 $267,797 (7.1%) $329,678 (-2.6%) 0.00 183
    2022-12-01 $274,900 (8.2%) $323,393 (-3.4%) 0.00 160
    2023-01-01 $267,560 (5.6%) $327,171 (-2.7%) 0.00 154
    2023-02-01 $259,450 (3.8%) $321,774 (-4.0%) 0.00 165
    2023-03-01 $270,600 (4.8%) $343,973 (0.6%) 0.00 159
    2023-04-01 $281,700 (8.4%) $351,016 (3.4%) 0.00 148
    2023-05-01 $289,900 (6.6%) $357,717 (3.1%) 0.00 162
    2023-06-01 $293,450 (7.9%) $363,419 (9.1%) 0.00 178
    2023-07-01 $303,100 (9.4%) $399,278 (17.7%) 0.00 195
    2023-08-01 $300,000 (9.0%) $415,842 (22.3%) 0.00 205
    2023-09-01 $289,000 (6.7%) $378,137 (15.7%) 0.00 207
    2023-10-01 $285,250 (6.6%) $362,637 (13.2%) 0.00 218
    2023-11-01 $286,188 (6.9%) $370,084 (12.3%) 0.00 217
    2023-12-01 $290,000 (5.5%) $367,712 (13.7%) 0.00 195
    2024-01-01 $291,300 (8.9%) $365,804 (11.8%) 0.00 194
    2024-02-01 $287,000 (10.6%) $368,851 (14.6%) 0.00 184
    2024-03-01 $279,948 (3.5%) $366,592 (6.6%) 0.00 196
    2024-04-01 $279,900 (-0.6%) $374,593 (6.7%) 0.00 204
    2024-05-01 $279,948 (-3.4%) $387,773 (8.4%) 0.00 189
    2024-06-01 $269,900 (-8.0%) $375,859 (3.4%) 0.00 213
    2024-07-01 $274,729 (-9.4%) $380,939 (-4.6%) 0.00 217
    2024-08-01 $282,450 (-5.9%) $386,141 (-7.1%) 0.00 212
    2024-09-01 $299,000 (3.5%) $402,676 (6.5%) 0.00 230
    2024-10-01 $288,075 (1.0%) $393,566 (8.5%) 0.00 242
    2024-11-01 $285,000 (-0.4%) $378,955 (2.4%) 0.00 235
    2024-12-01 $284,600 (-1.9%) $371,732 (1.1%) 0.00 221
    2025-01-01 $285,950 (-1.8%) $364,674 (-0.3%) 0.00 217
    Huntsville's median listing price for 2025-01-01 was $285,950, a difference of $-5,350 (-1.8%) versus the prior year and $1,350 versus the prior month.

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

    Huntsville's average listing price for 2025-01-01 was $364,674, a difference of $-1,130 (-0.3%) versus the prior year and $-7,058 versus the prior month.

    For the 2025-01-01 period, Huntsville had 217 MLS listings, a difference of -4 listings (-2%) versus the prior month and 23 listings (12%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Huntsville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,916 sqft
    2018-02-01 0 days 1,902 sqft
    2018-03-01 0 days 2,038 sqft
    2018-04-01 0 days 2,048 sqft
    2018-05-01 0 days 2,047 sqft
    2018-06-01 0 days 2,058 sqft
    2018-07-01 0 days 2,003 sqft
    2018-08-01 0 days 1,965 sqft
    2018-09-01 0 days 1,944 sqft
    2018-10-01 0 days 1,950 sqft
    2018-11-01 0 days 1,903 sqft
    2018-12-01 0 days 1,855 sqft
    2019-01-01 0 days 1,862 sqft
    2019-02-01 0 days 1,868 sqft
    2019-03-01 0 days 1,892 sqft
    2019-04-01 0 days 1,920 sqft
    2019-05-01 0 days 1,920 sqft
    2019-06-01 0 days 1,924 sqft
    2019-07-01 0 days 1,919 sqft
    2019-08-01 0 days 1,873 sqft
    2019-09-01 0 days 1,872 sqft
    2019-10-01 0 days 1,872 sqft
    2019-11-01 0 days 1,855 sqft
    2019-12-01 0 days 1,838 sqft
    2020-01-01 0 days 1,861 sqft
    2020-02-01 0 days 1,853 sqft
    2020-03-01 0 days 1,842 sqft
    2020-04-01 0 days 1,886 sqft
    2020-05-01 0 days 1,913 sqft
    2020-06-01 0 days 1,956 sqft
    2020-07-01 0 days 1,912 sqft
    2020-08-01 0 days 1,873 sqft
    2020-09-01 0 days 1,856 sqft
    2020-10-01 0 days 1,838 sqft
    2020-11-01 0 days 1,796 sqft
    2020-12-01 0 days 1,691 sqft
    2021-01-01 0 days 1,823 sqft
    2021-02-01 0 days 1,803 sqft
    2021-03-01 0 days 1,796 sqft
    2021-04-01 0 days 2,017 sqft
    2021-05-01 0 days 1,861 sqft
    2021-06-01 0 days 1,786 sqft
    2021-07-01 0 days 1,814 sqft
    2021-08-01 0 days 1,767 sqft
    2021-09-01 0 days 1,742 sqft
    2021-10-01 0 days 1,796 sqft
    2021-11-01 0 days 1,805 sqft
    2021-12-01 0 days 1,751 sqft
    2022-01-01 0 days 1,760 sqft
    2022-02-01 0 days 1,695 sqft
    2022-03-01 0 days 1,764 sqft
    2022-04-01 0 days 1,703 sqft
    2022-05-01 0 days 1,760 sqft
    2022-06-01 0 days 1,775 sqft
    2022-07-01 0 days 1,776 sqft
    2022-08-01 0 days 1,778 sqft
    2022-09-01 0 days 1,768 sqft
    2022-10-01 0 days 1,751 sqft
    2022-11-01 0 days 1,752 sqft
    2022-12-01 0 days 1,786 sqft
    2023-01-01 0 days 1,801 sqft
    2023-02-01 0 days 1,706 sqft
    2023-03-01 0 days 1,779 sqft
    2023-04-01 0 days 1,780 sqft
    2023-05-01 0 days 1,787 sqft
    2023-06-01 0 days 1,840 sqft
    2023-07-01 0 days 2,000 sqft
    2023-08-01 0 days 2,007 sqft
    2023-09-01 0 days 1,898 sqft
    2023-10-01 0 days 1,864 sqft
    2023-11-01 0 days 1,848 sqft
    2023-12-01 0 days 1,873 sqft
    2024-01-01 0 days 1,877 sqft
    2024-02-01 0 days 1,876 sqft
    2024-03-01 0 days 1,822 sqft
    2024-04-01 0 days 1,776 sqft
    2024-05-01 0 days 1,796 sqft
    2024-06-01 0 days 1,751 sqft
    2024-07-01 0 days 1,747 sqft
    2024-08-01 0 days 1,810 sqft
    2024-09-01 0 days 1,872 sqft
    2024-10-01 0 days 1,859 sqft
    2024-11-01 0 days 1,817 sqft
    2024-12-01 0 days 1,808 sqft
    2025-01-01 0 days 1,813 sqft
    Huntsville's median listing age (time on market) for 2025-01-01 was 0 days.

    Huntsville's median square footage for active listings during the 2025-01-01 period was 1,813 sqft. One year prior, the average listing was 1,877 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.