San Antonio VA Loan Rates, Closing Costs & Stats
SAN ANTONIO-NEW BRAUNFELS, TX
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.
San Antonio's 215 lenders originated 10,934 VA loans during 2024. The total origination value was $4,235,450,000, with an average VA loan value of $387,365.
San Antonio VA Loans, 30 Year Fixed Rates
30 Year VA mortgages in San Antonio
averaged
5.61%
for the week of 2025-04-04, compared to the national average (all VA variants) of
6.06% for the same period.
San Antonio's average VA mortgage closing costs are $7,054.
The average rate for the prior week (2025-03-28) was
5.83% and
one month ago for the week of 2025-02-28, the
average rate was 5.6%.
The average rate one year ago was 6.11%.
For refis of the same type during the week of 2025-04-04, the average rate
was 6.21%.
San Antonio 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 San Antonio level.
The top San Antonio VA lender as defined by loan originations is DHI MORTGAGE COMPANY, LTD., with
896 VA loans originated. Their average total fees are
$8,608, which is $1,209
higher than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee San Antonio VA lenders (with over 10 loans originated) are
Mr. Cooper ( Nationstar Mortgage ) ($3,799), EAGLE HOME MORTGAGE, LLC ($3,841), JPMorgan Chase Bank ($4,291), MORTGAGE SOLUTIONS OF COLORADO, LLC ($4,676) and Integrity Home Mortgage Corp ($4,793).
The lowest rate San Antonio VA lenders (with over 10 loans originated) are
EAGLE HOME MORTGAGE, LLC (4.41%), DHI MORTGAGE COMPANY, LTD. (4.76%), PULTE MORTGAGE LLC (4.80%), INSPIRE HOME LOANS INC. (4.80%) and VELOCIO MORTGAGE L.L.C. (4.93%).
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - San Antonio (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 | $283,925 (-0.2%) | $373,893 (0.5%) | 1.05 | 7,238 |
| 2018-02-01 | $284,990 (-0.9%) | $375,261 (-0.3%) | 1.03 | 7,293 |
| 2018-03-01 | $291,000 (-0.3%) | $381,155 (-0.1%) | 1.02 | 7,398 |
| 2018-04-01 | $299,000 (1.5%) | $385,285 (-1.6%) | 1.01 | 7,440 |
| 2018-05-01 | $299,700 (1.6%) | $388,670 (-0.9%) | 1.00 | 7,780 |
| 2018-06-01 | $299,500 (1.2%) | $390,279 (-0.7%) | 1.00 | 8,256 |
| 2018-07-01 | $295,000 (0.9%) | $387,041 (-0.3%) | 0.99 | 8,613 |
| 2018-08-01 | $291,175 (1.9%) | $382,621 (0.5%) | 0.98 | 8,890 |
| 2018-09-01 | $287,000 (1.4%) | $379,427 (0.7%) | 0.96 | 8,707 |
| 2018-10-01 | $285,450 (2.0%) | $378,349 (1.5%) | 0.97 | 8,696 |
| 2018-11-01 | $285,000 (1.8%) | $373,157 (0.2%) | 0.97 | 8,640 |
| 2018-12-01 | $285,000 (1.4%) | $372,954 (0.3%) | 0.98 | 8,409 |
| 2019-01-01 | $285,000 (0.4%) | $371,097 (-0.8%) | 0.98 | 7,936 |
| 2019-02-01 | $285,725 (0.3%) | $370,081 (-1.4%) | 0.97 | 7,991 |
| 2019-03-01 | $291,667 (0.2%) | $377,466 (-1.0%) | 0.95 | 8,153 |
| 2019-04-01 | $295,500 (-1.2%) | $385,260 (0.0%) | 0.94 | 8,579 |
| 2019-05-01 | $295,700 (-1.3%) | $389,291 (0.2%) | 0.92 | 8,858 |
| 2019-06-01 | $295,000 (-1.5%) | $390,066 (-0.1%) | 0.92 | 9,183 |
| 2019-07-01 | $293,545 (-0.5%) | $388,151 (0.3%) | 0.92 | 9,414 |
| 2019-08-01 | $288,356 (-1.0%) | $383,658 (0.3%) | 0.91 | 9,458 |
| 2019-09-01 | $285,906 (-0.4%) | $378,612 (-0.2%) | 0.92 | 9,447 |
| 2019-10-01 | $283,094 (-0.8%) | $373,233 (-1.4%) | 0.91 | 9,486 |
| 2019-11-01 | $279,900 (-1.8%) | $366,401 (-1.8%) | 0.92 | 9,352 |
| 2019-12-01 | $278,973 (-2.1%) | $363,273 (-2.6%) | 0.93 | 9,143 |
| 2020-01-01 | $279,000 (-2.1%) | $362,856 (-2.2%) | 0.93 | 8,635 |
| 2020-02-01 | $282,990 (-1.0%) | $372,894 (0.8%) | 0.93 | 8,435 |
| 2020-03-01 | $289,450 (-0.8%) | $379,961 (0.7%) | 0.91 | 8,168 |
| 2020-04-01 | $289,000 (-2.2%) | $374,953 (-2.7%) | 0.91 | 8,356 |
| 2020-05-01 | $295,000 (-0.2%) | $390,450 (0.3%) | 0.90 | 8,016 |
| 2020-06-01 | $302,500 (2.5%) | $404,885 (3.8%) | 0.89 | 7,069 |
| 2020-07-01 | $309,000 (5.3%) | $412,261 (6.2%) | 0.90 | 6,644 |
| 2020-08-01 | $301,240 (4.5%) | $410,920 (7.1%) | 0.86 | 6,268 |
| 2020-09-01 | $299,363 (4.7%) | $411,455 (8.7%) | 0.86 | 6,034 |
| 2020-10-01 | $295,750 (4.5%) | $408,013 (9.3%) | 0.85 | 5,805 |
| 2020-11-01 | $293,876 (5.0%) | $405,467 (10.7%) | 0.86 | 5,518 |
| 2020-12-01 | $290,000 (4.0%) | $399,423 (10.0%) | 0.86 | 5,058 |
| 2021-01-01 | $289,000 (3.6%) | $403,957 (11.3%) | 0.86 | 4,327 |
| 2021-02-01 | $295,945 (4.6%) | $417,943 (12.1%) | 0.86 | 3,576 |
| 2021-03-01 | $298,690 (3.2%) | $430,558 (13.3%) | 0.85 | 2,963 |
| 2021-04-01 | $303,469 (5.0%) | $448,045 (19.5%) | 0.82 | 2,613 |
| 2021-05-01 | $308,750 (4.7%) | $450,113 (15.3%) | 0.82 | 2,706 |
| 2021-06-01 | $315,000 (4.1%) | $457,145 (12.9%) | 0.83 | 3,156 |
| 2021-07-01 | $325,108 (5.2%) | $465,195 (12.8%) | 0.86 | 3,713 |
| 2021-08-01 | $335,975 (11.5%) | $454,815 (10.7%) | 0.90 | 4,456 |
| 2021-09-01 | $330,000 (10.2%) | $447,785 (8.8%) | 0.88 | 4,581 |
| 2021-10-01 | $332,225 (12.3%) | $454,224 (11.3%) | 0.89 | 4,441 |
| 2021-11-01 | $332,085 (13.0%) | $458,562 (13.1%) | 0.89 | 4,185 |
| 2021-12-01 | $338,090 (16.6%) | $463,606 (16.1%) | 0.92 | 3,933 |
| 2022-01-01 | $339,542 (17.5%) | $465,737 (15.3%) | 0.92 | 3,556 |
| 2022-02-01 | $335,819 (13.5%) | $464,621 (11.2%) | 0.87 | 2,910 |
| 2022-03-01 | $344,500 (15.3%) | $475,034 (10.3%) | 0.86 | 2,678 |
| 2022-04-01 | $360,000 (18.6%) | $489,812 (9.3%) | 0.86 | 2,881 |
| 2022-05-01 | $379,495 (22.9%) | $502,883 (11.7%) | 0.87 | 3,791 |
| 2022-06-01 | $382,400 (21.4%) | $508,441 (11.2%) | 0.85 | 4,618 |
| 2022-07-01 | $379,900 (16.9%) | $496,547 (6.7%) | 0.86 | 6,058 |
| 2022-08-01 | $363,089 (8.1%) | $480,440 (5.6%) | 0.84 | 7,216 |
| 2022-09-01 | $359,950 (9.1%) | $473,073 (5.7%) | 0.84 | 7,512 |
| 2022-10-01 | $354,900 (6.8%) | $468,663 (3.2%) | 0.84 | 8,014 |
| 2022-11-01 | $349,999 (5.4%) | $458,838 (0.1%) | 0.84 | 8,256 |
| 2022-12-01 | $349,000 (3.2%) | $457,229 (-1.4%) | 0.86 | 7,848 |
| 2023-01-01 | $347,000 (2.2%) | $456,494 (-2.0%) | 0.86 | 7,347 |
| 2023-02-01 | $340,000 (1.3%) | $453,188 (-2.5%) | 0.82 | 7,286 |
| 2023-03-01 | $346,560 (0.6%) | $467,431 (-1.6%) | 0.82 | 6,989 |
| 2023-04-01 | $351,990 (-2.2%) | $483,212 (-1.4%) | 0.82 | 6,862 |
| 2023-05-01 | $357,520 (-5.8%) | $484,088 (-3.7%) | 0.81 | 7,329 |
| 2023-06-01 | $367,325 (-3.9%) | $494,931 (-2.7%) | 0.83 | 7,649 |
| 2023-07-01 | $365,000 (-3.9%) | $490,907 (-1.1%) | 0.83 | 8,143 |
| 2023-08-01 | $357,000 (-1.7%) | $483,154 (0.6%) | 0.82 | 8,539 |
| 2023-09-01 | $349,900 (-2.8%) | $471,171 (-0.4%) | 0.81 | 9,346 |
| 2023-10-01 | $347,000 (-2.2%) | $464,766 (-0.8%) | 0.82 | 9,661 |
| 2023-11-01 | $339,900 (-2.9%) | $453,308 (-1.2%) | 0.81 | 9,883 |
| 2023-12-01 | $335,629 (-3.8%) | $449,573 (-1.7%) | 0.82 | 9,489 |
| 2024-01-01 | $335,825 (-3.2%) | $451,037 (-1.2%) | 0.82 | 9,142 |
| 2024-02-01 | $334,948 (-1.5%) | $448,896 (-1.0%) | 0.81 | 9,231 |
| 2024-03-01 | $339,900 (-1.9%) | $451,556 (-3.4%) | 0.80 | 9,568 |
| 2024-04-01 | $344,513 (-2.1%) | $459,388 (-4.9%) | 0.80 | 9,908 |
| 2024-05-01 | $345,000 (-3.5%) | $465,842 (-3.8%) | 0.79 | 10,604 |
| 2024-06-01 | $347,900 (-5.3%) | $465,993 (-5.9%) | 0.79 | 11,385 |
| 2024-07-01 | $349,000 (-4.4%) | $468,495 (-4.6%) | 0.80 | 11,838 |
| 2024-08-01 | $342,725 (-4.0%) | $461,829 (-4.4%) | 0.80 | 11,815 |
| 2024-09-01 | $339,950 (-2.8%) | $461,049 (-2.2%) | 0.80 | 11,432 |
| 2024-10-01 | $335,000 (-3.5%) | $455,876 (-1.9%) | 0.79 | 11,365 |
| 2024-11-01 | $330,000 (-2.9%) | $452,459 (-0.2%) | 0.79 | 11,546 |
| 2024-12-01 | $329,950 (-1.7%) | $447,620 (-0.4%) | 0.82 | 11,020 |
| 2025-01-01 | $325,000 (-3.2%) | $444,360 (-1.5%) | 0.81 | 10,563 |
| 2025-02-01 | $327,000 (-2.4%) | $449,017 (0.0%) | 0.79 | 10,622 |
| 2025-03-01 | $334,990 (-1.4%) | $457,385 (1.3%) | 0.00 | 11,258 |
San Antonio's median listing price comes in at 0% of the national average.
San Antonio's average listing price for 2025-03-01 was $457,385, a difference of $5,829 (1.3%) versus the prior year and $8,368 versus the prior month.
For the 2025-03-01 period, San Antonio had 11,258 MLS listings, a difference of 636 listings (6%) versus the prior month and 1,690 listings (18%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - San Antonio (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 73 days | 2,336 sqft |
| 2018-02-01 | 67 days | 2,352 sqft |
| 2018-03-01 | 53 days | 2,379 sqft |
| 2018-04-01 | 50 days | 2,408 sqft |
| 2018-05-01 | 50 days | 2,419 sqft |
| 2018-06-01 | 50 days | 2,407 sqft |
| 2018-07-01 | 52 days | 2,391 sqft |
| 2018-08-01 | 56 days | 2,379 sqft |
| 2018-09-01 | 59 days | 2,356 sqft |
| 2018-10-01 | 62 days | 2,336 sqft |
| 2018-11-01 | 64 days | 2,311 sqft |
| 2018-12-01 | 70 days | 2,303 sqft |
| 2019-01-01 | 72 days | 2,289 sqft |
| 2019-02-01 | 66 days | 2,301 sqft |
| 2019-03-01 | 57 days | 2,318 sqft |
| 2019-04-01 | 51 days | 2,329 sqft |
| 2019-05-01 | 50 days | 2,327 sqft |
| 2019-06-01 | 52 days | 2,323 sqft |
| 2019-07-01 | 53 days | 2,323 sqft |
| 2019-08-01 | 55 days | 2,296 sqft |
| 2019-09-01 | 57 days | 2,266 sqft |
| 2019-10-01 | 59 days | 2,242 sqft |
| 2019-11-01 | 59 days | 2,235 sqft |
| 2019-12-01 | 67 days | 2,196 sqft |
| 2020-01-01 | 73 days | 2,185 sqft |
| 2020-02-01 | 68 days | 2,195 sqft |
| 2020-03-01 | 61 days | 2,225 sqft |
| 2020-04-01 | 61 days | 2,222 sqft |
| 2020-05-01 | 64 days | 2,241 sqft |
| 2020-06-01 | 66 days | 2,245 sqft |
| 2020-07-01 | 55 days | 2,242 sqft |
| 2020-08-01 | 51 days | 2,240 sqft |
| 2020-09-01 | 53 days | 2,186 sqft |
| 2020-10-01 | 54 days | 2,149 sqft |
| 2020-11-01 | 53 days | 2,105 sqft |
| 2020-12-01 | 58 days | 2,065 sqft |
| 2021-01-01 | 60 days | 2,021 sqft |
| 2021-02-01 | 46 days | 1,980 sqft |
| 2021-03-01 | 45 days | 1,960 sqft |
| 2021-04-01 | 37 days | 1,992 sqft |
| 2021-05-01 | 33 days | 1,995 sqft |
| 2021-06-01 | 31 days | 2,014 sqft |
| 2021-07-01 | 32 days | 2,042 sqft |
| 2021-08-01 | 32 days | 2,086 sqft |
| 2021-09-01 | 38 days | 2,029 sqft |
| 2021-10-01 | 43 days | 1,998 sqft |
| 2021-11-01 | 44 days | 1,994 sqft |
| 2021-12-01 | 48 days | 1,991 sqft |
| 2022-01-01 | 53 days | 1,964 sqft |
| 2022-02-01 | 41 days | 1,909 sqft |
| 2022-03-01 | 36 days | 1,919 sqft |
| 2022-04-01 | 32 days | 1,980 sqft |
| 2022-05-01 | 30 days | 2,039 sqft |
| 2022-06-01 | 30 days | 2,057 sqft |
| 2022-07-01 | 31 days | 2,055 sqft |
| 2022-08-01 | 39 days | 2,031 sqft |
| 2022-09-01 | 47 days | 2,028 sqft |
| 2022-10-01 | 52 days | 2,021 sqft |
| 2022-11-01 | 56 days | 2,015 sqft |
| 2022-12-01 | 67 days | 2,001 sqft |
| 2023-01-01 | 79 days | 1,996 sqft |
| 2023-02-01 | 67 days | 1,942 sqft |
| 2023-03-01 | 55 days | 1,935 sqft |
| 2023-04-01 | 53 days | 1,978 sqft |
| 2023-05-01 | 46 days | 1,984 sqft |
| 2023-06-01 | 47 days | 2,019 sqft |
| 2023-07-01 | 50 days | 2,034 sqft |
| 2023-08-01 | 51 days | 2,015 sqft |
| 2023-09-01 | 51 days | 1,970 sqft |
| 2023-10-01 | 56 days | 1,961 sqft |
| 2023-11-01 | 59 days | 1,949 sqft |
| 2023-12-01 | 68 days | 1,938 sqft |
| 2024-01-01 | 76 days | 1,923 sqft |
| 2024-02-01 | 68 days | 1,910 sqft |
| 2024-03-01 | 57 days | 1,914 sqft |
| 2024-04-01 | 54 days | 1,923 sqft |
| 2024-05-01 | 51 days | 1,919 sqft |
| 2024-06-01 | 52 days | 1,945 sqft |
| 2024-07-01 | 57 days | 1,988 sqft |
| 2024-08-01 | 61 days | 1,968 sqft |
| 2024-09-01 | 67 days | 1,958 sqft |
| 2024-10-01 | 68 days | 1,945 sqft |
| 2024-11-01 | 71 days | 1,925 sqft |
| 2024-12-01 | 75 days | 1,914 sqft |
| 2025-01-01 | 78 days | 1,895 sqft |
| 2025-02-01 | 76 days | 1,894 sqft |
| 2025-03-01 | 0 days | 1,930 sqft |
San Antonio's median square footage for active listings during the 2025-03-01 period was 1,930 sqft. One year prior, the average listing was 1,914 sqft.