Pampa VA Loan Rates, Closing Costs & Stats

Pampa, 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.

    Pampa's 13 lenders originated 21 VA loans during 2024. The total origination value was $3,805,000, with an average VA loan value of $181,190.

    Pampa VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Pampa averaged 6.6% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

    Pampa's average VA mortgage closing costs are $4,653.

    The average rate for the prior week (2025-03-28) was 6.72% and one month ago for the week of 2025-02-28, the average rate was 6.8%.

    The average rate one year ago was 6.61%.

    For refis of the same type during the week of 2025-04-04, the average rate was 5.96%.

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

    Pampa 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 Pampa level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 6 6.79% $3,364
    QUICKEN LOANS, LLC 3 5.87% $6,170
    CROSSCOUNTRY MORTGAGE, LLC 1 6.75% $5,226
    EUSTIS AND AMERICAN MORTGAGE COMPANY 1 7.25% $5,775
    MORTGAGE SOLUTIONS OF COLORADO, LLC 1 6.25% $675
    NAVY FEDERAL CREDIT UNION 1 6.25% $2,867
    NETWORK CAPITAL FUNDING CORPORATION 1 6.50% $9,047
    RANLIFE, INC. 1 6.13% $9,535
    UNITED WHOLESALE MORTGAGE, LLC 1 5.99% $5,953
    USAA Federal Savings Bank 1 6.75% $4,149
    Amarillo National Bank 1 6.00% $5,446
    VILLAGE CAPITAL MORTGAGE 1 5.75% $2,024
    BROKER SOLUTIONS, INC. 1 6.63% $6,788

    The top Pampa VA lender as defined by loan originations is Mortgage Research Center, LLC, with 6 VA loans originated. Their average total fees are $3,364, which is $2,805 lower than the next largest lender, QUICKEN LOANS, LLC.

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Pampa (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 $117,500 (30.2%) $133,919 (9.0%) 0.00 133
    2018-02-01 $113,475 (21.0%) $132,821 (6.4%) 0.00 148
    2018-03-01 $116,800 (16.5%) $137,527 (6.7%) 0.00 144
    2018-04-01 $124,600 (14.9%) $141,561 (5.2%) 0.00 145
    2018-05-01 $125,500 (11.1%) $144,244 (6.5%) 0.00 143
    2018-06-01 $129,900 (13.0%) $148,675 (9.8%) 0.00 143
    2018-07-01 $128,000 (9.4%) $147,133 (9.4%) 0.00 161
    2018-08-01 $129,675 (11.3%) $148,696 (13.6%) 0.00 167
    2018-09-01 $126,400 (9.9%) $146,555 (10.2%) 0.00 156
    2018-10-01 $122,000 (8.9%) $133,988 (0.2%) 0.00 157
    2018-11-01 $118,500 (3.0%) $131,723 (-2.8%) 0.00 153
    2018-12-01 $119,900 (4.3%) $134,258 (-1.0%) 0.00 145
    2019-01-01 $117,625 (0.1%) $130,927 (-2.2%) 0.00 139
    2019-02-01 $115,000 (1.3%) $127,009 (-4.4%) 0.00 137
    2019-03-01 $117,107 (0.3%) $133,141 (-3.2%) 0.00 139
    2019-04-01 $117,857 (-5.4%) $138,060 (-2.5%) 0.00 139
    2019-05-01 $109,225 (-13.0%) $136,623 (-5.3%) 0.00 145
    2019-06-01 $106,000 (-18.4%) $132,338 (-11.0%) 0.00 155
    2019-07-01 $115,125 (-10.1%) $136,900 (-7.0%) 0.00 158
    2019-08-01 $114,864 (-11.4%) $138,571 (-6.8%) 0.00 157
    2019-09-01 $114,659 (-9.3%) $141,391 (-3.5%) 0.00 156
    2019-10-01 $114,523 (-6.1%) $143,270 (6.9%) 0.00 154
    2019-11-01 $112,000 (-5.5%) $140,755 (6.9%) 0.00 146
    2019-12-01 $111,000 (-7.4%) $136,488 (1.7%) 0.00 146
    2020-01-01 $105,500 (-10.3%) $132,873 (1.5%) 0.00 141
    2020-02-01 $100,000 (-13.0%) $130,366 (2.6%) 0.00 141
    2020-03-01 $107,250 (-8.4%) $133,018 (-0.1%) 0.00 137
    2020-04-01 $101,760 (-13.7%) $129,085 (-6.5%) 0.00 137
    2020-05-01 $109,500 (0.3%) $134,553 (-1.5%) 0.00 133
    2020-06-01 $92,925 (-12.3%) $129,234 (-2.4%) 0.00 139
    2020-07-01 $89,700 (-22.1%) $124,639 (-9.0%) 0.00 131
    2020-08-01 $91,450 (-20.4%) $126,537 (-8.7%) 0.00 130
    2020-09-01 $103,750 (-9.5%) $128,262 (-9.3%) 0.00 125
    2020-10-01 $105,000 (-8.3%) $130,052 (-9.2%) 0.00 112
    2020-11-01 $115,000 (2.7%) $134,495 (-4.5%) 0.00 110
    2020-12-01 $116,125 (4.6%) $134,579 (-1.4%) 0.00 106
    2021-01-01 $125,000 (18.5%) $139,240 (4.8%) 0.00 103
    2021-02-01 $122,500 (22.5%) $141,260 (8.4%) 0.00 87
    2021-03-01 $117,500 (9.6%) $142,856 (7.4%) 0.00 76
    2021-04-01 $122,500 (20.4%) $144,279 (11.8%) 0.00 68
    2021-05-01 $119,950 (9.5%) $149,590 (11.2%) 0.00 58
    2021-06-01 $130,500 (40.4%) $158,620 (22.7%) 0.00 59
    2021-07-01 $130,000 (44.9%) $150,298 (20.6%) 0.00 60
    2021-08-01 $119,225 (30.4%) $131,847 (4.2%) 0.00 67
    2021-09-01 $127,200 (22.6%) $145,689 (13.6%) 0.00 67
    2021-10-01 $130,750 (24.5%) $160,295 (23.3%) 0.00 71
    2021-11-01 $142,500 (23.9%) $203,798 (51.5%) 0.00 61
    2021-12-01 $123,625 (6.5%) $194,774 (44.7%) 0.00 57
    2022-01-01 $120,000 (-4.0%) $188,444 (35.3%) 0.00 53
    2022-02-01 $110,000 (-10.2%) $161,904 (14.6%) 0.00 44
    2022-03-01 $95,500 (-18.7%) $140,978 (-1.3%) 0.00 43
    2022-04-01 $100,000 (-18.4%) $142,312 (-1.4%) 0.00 39
    2022-05-01 $120,344 (0.3%) $159,577 (6.7%) 0.00 45
    2022-06-01 $135,000 (3.5%) $157,685 (-0.6%) 0.00 50
    2022-07-01 $131,175 (0.9%) $154,156 (2.6%) 0.00 59
    2022-08-01 $120,625 (1.2%) $150,165 (13.9%) 0.00 55
    2022-09-01 $128,700 (1.2%) $155,514 (6.7%) 0.00 44
    2022-10-01 $135,000 (3.3%) $166,016 (3.6%) 0.00 57
    2022-11-01 $137,450 (-3.5%) $172,963 (-15.1%) 0.00 65
    2022-12-01 $145,000 (17.3%) $178,627 (-8.3%) 0.00 62
    2023-01-01 $148,000 (23.3%) $182,793 (-3.0%) 0.00 61
    2023-02-01 $165,725 (50.7%) $188,689 (16.5%) 0.00 62
    2023-03-01 $149,250 (56.3%) $177,350 (25.8%) 0.00 59
    2023-04-01 $134,950 (35.0%) $180,324 (26.7%) 0.00 52
    2023-05-01 $150,275 (24.9%) $197,934 (24.0%) 0.00 41
    2023-06-01 $176,075 (30.4%) $216,549 (37.3%) 0.00 46
    2023-07-01 $159,200 (21.4%) $208,664 (35.4%) 0.00 44
    2023-08-01 $164,225 (36.2%) $203,828 (35.7%) 0.00 44
    2023-09-01 $144,400 (12.2%) $186,157 (19.7%) 0.00 41
    2023-10-01 $146,225 (8.3%) $187,810 (13.1%) 0.00 49
    2023-11-01 $151,225 (10.0%) $201,023 (16.2%) 0.00 58
    2023-12-01 $149,950 (3.4%) $201,705 (12.9%) 0.00 55
    2024-01-01 $146,450 (-1.1%) $192,278 (5.2%) 0.00 61
    2024-02-01 $157,425 (-5.0%) $205,500 (8.9%) 0.00 53
    2024-03-01 $175,000 (17.3%) $213,228 (20.2%) 0.00 53
    2024-04-01 $169,000 (25.2%) $217,328 (20.5%) 0.00 63
    2024-05-01 $149,750 (-0.4%) $207,405 (4.8%) 0.00 68
    2024-06-01 $152,500 (-13.4%) $194,466 (-10.2%) 0.00 82
    2024-07-01 $149,625 (-6.0%) $183,055 (-12.3%) 0.00 90
    2024-08-01 $149,900 (-8.7%) $182,093 (-10.7%) 0.00 101
    2024-09-01 $149,925 (3.8%) $181,109 (-2.7%) 0.00 100
    2024-10-01 $149,975 (2.6%) $184,388 (-1.8%) 0.00 102
    2024-11-01 $164,167 (8.6%) $192,075 (-4.5%) 0.00 107
    2024-12-01 $159,950 (6.7%) $188,278 (-6.7%) 0.00 99
    2025-01-01 $152,500 (4.1%) $188,161 (-2.1%) 0.00 101
    2025-02-01 $152,500 (-3.1%) $184,585 (-10.2%) 0.00 96
    2025-03-01 $150,000 (-14.3%) $179,352 (-15.9%) 0.00 92
    Pampa's median listing price for 2025-03-01 was $150,000, a difference of $-25,000 (-14.3%) versus the prior year and $-2,500 versus the prior month.

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

    Pampa's average listing price for 2025-03-01 was $179,352, a difference of $-33,876 (-15.9%) versus the prior year and $-5,233 versus the prior month.

    For the 2025-03-01 period, Pampa had 92 MLS listings, a difference of -4 listings (-4%) versus the prior month and 39 listings (74%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Pampa (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,794 sqft
    2018-02-01 0 days 1,741 sqft
    2018-03-01 0 days 1,740 sqft
    2018-04-01 0 days 1,786 sqft
    2018-05-01 0 days 1,739 sqft
    2018-06-01 0 days 1,789 sqft
    2018-07-01 0 days 1,814 sqft
    2018-08-01 0 days 1,815 sqft
    2018-09-01 0 days 1,833 sqft
    2018-10-01 0 days 1,786 sqft
    2018-11-01 0 days 1,768 sqft
    2018-12-01 0 days 1,733 sqft
    2019-01-01 0 days 1,653 sqft
    2019-02-01 0 days 1,601 sqft
    2019-03-01 0 days 1,650 sqft
    2019-04-01 0 days 1,694 sqft
    2019-05-01 0 days 1,674 sqft
    2019-06-01 0 days 1,605 sqft
    2019-07-01 0 days 1,618 sqft
    2019-08-01 0 days 1,619 sqft
    2019-09-01 0 days 1,644 sqft
    2019-10-01 0 days 1,665 sqft
    2019-11-01 0 days 1,674 sqft
    2019-12-01 0 days 1,664 sqft
    2020-01-01 0 days 1,609 sqft
    2020-02-01 0 days 1,622 sqft
    2020-03-01 0 days 1,633 sqft
    2020-04-01 0 days 1,565 sqft
    2020-05-01 0 days 1,665 sqft
    2020-06-01 0 days 1,560 sqft
    2020-07-01 0 days 1,530 sqft
    2020-08-01 0 days 1,548 sqft
    2020-09-01 0 days 1,553 sqft
    2020-10-01 0 days 1,527 sqft
    2020-11-01 0 days 1,553 sqft
    2020-12-01 0 days 1,570 sqft
    2021-01-01 0 days 1,633 sqft
    2021-02-01 0 days 1,616 sqft
    2021-03-01 0 days 1,678 sqft
    2021-04-01 0 days 1,569 sqft
    2021-05-01 0 days 1,533 sqft
    2021-06-01 0 days 1,551 sqft
    2021-07-01 0 days 1,601 sqft
    2021-08-01 0 days 1,440 sqft
    2021-09-01 0 days 1,595 sqft
    2021-10-01 0 days 1,608 sqft
    2021-11-01 0 days 1,701 sqft
    2021-12-01 0 days 1,622 sqft
    2022-01-01 0 days 1,582 sqft
    2022-02-01 0 days 1,587 sqft
    2022-03-01 0 days 1,524 sqft
    2022-04-01 0 days 1,529 sqft
    2022-05-01 0 days 1,649 sqft
    2022-06-01 0 days 1,654 sqft
    2022-07-01 0 days 1,622 sqft
    2022-08-01 0 days 1,574 sqft
    2022-09-01 0 days 1,559 sqft
    2022-10-01 0 days 1,619 sqft
    2022-11-01 0 days 1,775 sqft
    2022-12-01 0 days 1,721 sqft
    2023-01-01 0 days 1,743 sqft
    2023-02-01 0 days 1,878 sqft
    2023-03-01 0 days 1,714 sqft
    2023-04-01 0 days 1,595 sqft
    2023-05-01 0 days 1,644 sqft
    2023-06-01 0 days 1,965 sqft
    2023-07-01 0 days 1,597 sqft
    2023-08-01 0 days 1,675 sqft
    2023-09-01 0 days 1,560 sqft
    2023-10-01 0 days 1,591 sqft
    2023-11-01 0 days 1,648 sqft
    2023-12-01 0 days 1,648 sqft
    2024-01-01 0 days 1,620 sqft
    2024-02-01 0 days 1,637 sqft
    2024-03-01 0 days 1,682 sqft
    2024-04-01 0 days 1,882 sqft
    2024-05-01 0 days 1,702 sqft
    2024-06-01 0 days 1,666 sqft
    2024-07-01 0 days 1,587 sqft
    2024-08-01 0 days 1,538 sqft
    2024-09-01 0 days 1,576 sqft
    2024-10-01 0 days 1,601 sqft
    2024-11-01 0 days 1,682 sqft
    2024-12-01 0 days 1,698 sqft
    2025-01-01 0 days 1,593 sqft
    2025-02-01 0 days 1,679 sqft
    2025-03-01 0 days 1,682 sqft
    Pampa's median listing age (time on market) for 2025-03-01 was 0 days.

    Pampa's median square footage for active listings during the 2025-03-01 period was 1,682 sqft. One year prior, the average listing was 1,682 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.