{"id":6123,"date":"2026-06-13T01:04:47","date_gmt":"2026-06-12T19:04:47","guid":{"rendered":"https:\/\/lrgrealty.com\/lrg-blog\/?p=6123"},"modified":"2026-06-13T01:04:47","modified_gmt":"2026-06-12T19:04:47","slug":"fort-cavazos-bah-calculator","status":"publish","type":"page","link":"https:\/\/lrgrealty.com\/lrg-blog\/tools\/fort-cavazos-bah-calculator\/","title":{"rendered":"Fort Cavazos BAH Calculator 2026: What Can Your BAH Buy in Killeen?"},"content":{"rendered":"<style>body.page-id-6123 .rss-mh-block,body.page-id-6123 .rss-mh-wrap,body.page-id-6123 [class*=\"rss-mh\"]{display:none!important;}<\/style>\n<p><!-- LRG Fort Cavazos BAH & VA Loan Buying Power Calculator (MHA TX286)\n     Inline, CSS scoped under .lrg-bah-calc. DTMO 2026 verified rates. --><\/p>\n<h1>Fort Cavazos BAH Calculator 2026: What Can Your BAH Buy in Killeen?<\/h1>\n<div class=\"lrg-bah-calc\" id=\"lrgBahCalc\">\n<style>\n    .lrg-bah-calc{\n      --navy:#11294a; --navy-2:#0c1f3a; --red:#c8102e; --gold:#c9a24a;\n      --green:#2f7d4f; --green-bg:#eef7f1;\n      --ink:#1a2b4a; --ink-soft:#46577a; --line:#e3e8f0; --bg-soft:#f6f8fc;\n      --radius:16px;\n      font-family:-apple-system,BlinkMacSystemFont,\"Segoe UI\",Roboto,Helvetica,Arial,sans-serif;\n      color:var(--ink); line-height:1.55; -webkit-font-smoothing:antialiased;\n    }\n    .lrg-bah-calc *{box-sizing:border-box;}\n    .lrg-bah-calc .bc-wrap{max-width:760px;margin:0 auto;}<\/p>\n<p>    \/* hero *\/\n    .lrg-bah-calc .bc-hero{\n      background:\n        radial-gradient(800px 280px at 80% -30%, rgba(201,162,74,.16), transparent 60%),\n        linear-gradient(160deg,#14264a 0%, var(--navy) 55%, var(--navy-2) 100%);\n      color:#fff;border-radius:var(--radius) var(--radius) 0 0;padding:38px 30px 30px;text-align:center;\n    }\n    .lrg-bah-calc .bc-hero h2{\n      font-family:Georgia,\"Times New Roman\",serif;font-size:clamp(24px,4vw,38px);\n      line-height:1.14;margin:0 0 10px;color:#fff;font-weight:700;\n    }\n    .lrg-bah-calc .bc-hero p{color:#c9d6ee;font-size:.98rem;max-width:540px;margin:0 auto;}<\/p>\n<p>    \/* card *\/\n    .lrg-bah-calc .bc-card{\n      background:#fff;border:1px solid var(--line);border-top:0;\n      border-radius:0 0 var(--radius) var(--radius);padding:26px 26px 28px;\n      box-shadow:0 24px 60px -30px rgba(11,23,48,.4);\n    }<\/p>\n<p>    .lrg-bah-calc .bc-controls{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:8px;}\n    .lrg-bah-calc .bc-field{display:flex;flex-direction:column;gap:6px;}\n    .lrg-bah-calc .bc-field.full{grid-column:1\/-1;}\n    .lrg-bah-calc .bc-field label{font-size:.85rem;font-weight:700;color:var(--ink);}\n    .lrg-bah-calc .bc-field label .hint{font-weight:400;color:var(--ink-soft);}\n    .lrg-bah-calc select,.lrg-bah-calc input[type=\"number\"]{\n      border:1.5px solid var(--line);border-radius:10px;padding:12px 13px;font-size:1rem;\n      font-family:inherit;color:var(--ink);background:#fff;width:100%;\n    }\n    .lrg-bah-calc select:focus,.lrg-bah-calc input:focus{outline:none;border-color:var(--navy);}<\/p>\n<p>    \/* toggle buttons (dependents + disability) *\/\n    .lrg-bah-calc .bc-dep{display:flex;gap:8px;}\n    .lrg-bah-calc .bc-dep button{\n      flex:1;border:1.5px solid var(--line);background:var(--bg-soft);border-radius:10px;\n      padding:11px;font-weight:600;font-size:.92rem;cursor:pointer;color:var(--ink);\n    }\n    .lrg-bah-calc .bc-dep button.on{border-color:var(--navy);background:#eef3fb;}<\/p>\n<p>    \/* disability toggle *\/\n    .lrg-bah-calc .bc-exempt{\n      display:flex;align-items:center;gap:10px;margin-top:4px;\n      padding:10px 14px;background:var(--bg-soft);border:1px solid 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.bc-result{margin-top:20px;}\n    .lrg-bah-calc .bc-headline{\n      background:linear-gradient(160deg,#14264a,var(--navy-2));color:#fff;border-radius:14px;\n      padding:22px;text-align:center;margin-bottom:14px;\n    }\n    .lrg-bah-calc .bc-headline .lbl{font-size:.8rem;text-transform:uppercase;letter-spacing:.08em;color:#c9d6ee;font-weight:700;margin-bottom:4px;}\n    .lrg-bah-calc .bc-headline .big{font-family:Georgia,serif;font-size:2.6rem;line-height:1;font-weight:700;}\n    .lrg-bah-calc .bc-headline .sub{color:#c9d6ee;font-size:.9rem;margin-top:6px;}<\/p>\n<p>    \/* cover badge *\/\n    .lrg-bah-calc .bc-cover{\n      border-radius:12px;padding:16px 18px;margin-bottom:14px;display:flex;gap:12px;align-items:flex-start;\n    }\n    .lrg-bah-calc .bc-cover.yes{background:var(--green-bg);border:1px solid #bfe0cc;}\n    .lrg-bah-calc .bc-cover.no{background:#fff4f5;border:1px solid #f3c9cf;}\n    .lrg-bah-calc .bc-cover .ic{flex:none;width:26px;height:26px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;color:#fff;font-size:.95rem;}\n    .lrg-bah-calc .bc-cover.yes .ic{background:var(--green);}\n    .lrg-bah-calc .bc-cover.no .ic{background:var(--red);}\n    .lrg-bah-calc .bc-cover .txt strong{display:block;color:var(--ink);margin-bottom:2px;}\n    .lrg-bah-calc .bc-cover .txt span{color:var(--ink-soft);font-size:.9rem;}<\/p>\n<p>    \/* breakdown rows *\/\n    .lrg-bah-calc .bc-rows{border:1px solid var(--line);border-radius:12px;overflow:hidden;}\n    .lrg-bah-calc .bc-rows .r{display:flex;justify-content:space-between;padding:11px 16px;border-bottom:1px solid var(--line);font-size:.93rem;}\n    .lrg-bah-calc .bc-rows .r:last-child{border-bottom:0;}\n    .lrg-bah-calc .bc-rows .r:nth-child(odd){background:var(--bg-soft);}\n    .lrg-bah-calc .bc-rows .r .k{color:var(--ink-soft);}\n    .lrg-bah-calc .bc-rows .r .v{color:var(--ink);font-weight:700;}\n    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.bc-fine{color:var(--ink-soft);font-size:.76rem;text-align:center;margin-top:14px;line-height:1.5;}<\/p>\n<p>    \/* two-step: inputs vs results *\/\n    .lrg-bah-calc .bc-step{display:none;}\n    .lrg-bah-calc .bc-step.active{display:block;animation:bcSlide .4s ease;}\n    @keyframes bcSlide{from{opacity:0;transform:translateX(14px);}to{opacity:1;transform:none;}}\n    .lrg-bah-calc .bc-calc-btn{\n      width:100%;background:var(--red);color:#fff !important;border:0;border-radius:12px;\n      padding:16px;font-size:1.05rem;font-weight:800;cursor:pointer;margin-top:20px;\n      box-shadow:0 12px 26px -12px rgba(200,16,46,.7);transition:transform .1s;\n    }\n    .lrg-bah-calc .bc-calc-btn:hover{transform:translateY(-1px);}\n    .lrg-bah-calc .bc-adjust{\n      background:none;border:0;cursor:pointer;color:var(--ink-soft);font-weight:600;font-size:.9rem;\n      display:inline-flex;align-items:center;gap:6px;padding:6px 8px;border-radius:8px;margin-bottom:6px;\n    }\n    .lrg-bah-calc .bc-adjust:hover{background:var(--bg-soft);}<\/p>\n<p>    @media (max-width:560px){\n      .lrg-bah-calc .bc-controls{grid-template-columns:1fr;}\n      .lrg-bah-calc .bc-cta a{flex:1 1 100%;}\n      .lrg-bah-calc .bc-hero{padding:28px 18px 24px;}\n      .lrg-bah-calc .bc-card{padding:20px 16px 24px;}\n      .lrg-bah-calc select,.lrg-bah-calc input[type=\"number\"]{font-size:16px;}\n    }\n  <\/style>\n<div class=\"bc-wrap\">\n<div class=\"bc-hero\">\n<h2 id=\"fort-cavazos-bah-va-loan-buying-power-calculator\">Fort Cavazos BAH &amp; VA Loan Buying Power Calculator<\/h2>\n<p>See what your Killeen BAH supports with a VA $0-down loan, and whether it covers the full<br \/>\n        monthly payment with cushion. Fort Cavazos (formerly Fort Hood) is the primary installation in the Killeen MHA.<\/p>\n<\/p><\/div>\n<div class=\"bc-card\">\n<p>      <!-- ===== STEP 1: INPUTS ===== --><\/p>\n<div class=\"bc-step active\" id=\"bcStepInput\">\n<div class=\"bc-controls\">\n<div class=\"bc-field\">\n            <label>Your pay grade<\/label><br \/>\n            <select id=\"bcRank\"><\/select>\n          <\/div>\n<div class=\"bc-field\">\n            <label>Dependents?<\/label><\/p>\n<div class=\"bc-dep\">\n              <button type=\"button\" id=\"bcDepYes\" class=\"on\" data-dep=\"with\">With dependents<\/button><br \/>\n              <button type=\"button\" id=\"bcDepNo\" data-dep=\"without\">Without<\/button>\n            <\/div>\n<\/p><\/div>\n<div class=\"bc-field full\">\n            <label>Other monthly debts <span class=\"hint\">(car, credit cards, student loans &mdash; affects VA residual\/DTI)<\/span><\/label><br \/>\n            <input type=\"number\" id=\"bcDebts\" value=\"300\" min=\"0\" step=\"50\">\n          <\/div>\n<div class=\"bc-field full\">\n<div class=\"bc-exempt\">\n              <input type=\"checkbox\" id=\"bcExempt\"><br \/>\n              <label for=\"bcExempt\">VA disability rating (10%+)<br \/>\n                <span class=\"hint\">Exempts the VA funding fee &mdash; saves thousands at closing and lowers your financed amount.<\/span><br \/>\n              <\/label>\n            <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"bc-bah\">\n<div class=\"lbl\">Your 2026 Fort Cavazos BAH (MHA TX286)<\/div>\n<div class=\"val\" id=\"bcBahVal\">$1,695 <small>\/mo, tax-free<\/small><\/div>\n<\/p><\/div>\n<p>        <button type=\"button\" class=\"bc-calc-btn\" id=\"bcCalcBtn\">See My VA Buying Power &rarr;<\/button><\/p>\n<p class=\"bc-fine\">Estimate only. Based on 2026 Fort Cavazos (TX286) BAH and typical Bell County property tax<br \/>\n          (~2.0%) and insurance (~0.81%). VA funding fee, exemptions, HOA, and your lender&#8217;s terms will affect actuals.<br \/>\n          BAH rates: DTMO, effective Jan 1 2026.<\/p>\n<\/p><\/div>\n<p>      <!-- ===== STEP 2: RESULTS ===== --><\/p>\n<div class=\"bc-step\" id=\"bcStepResult\">\n        <button type=\"button\" class=\"bc-adjust\" id=\"bcAdjust\">&#8249; Adjust my info<\/button><\/p>\n<div class=\"bc-result\" id=\"bcResult\"><!-- injected --><\/div>\n<div class=\"bc-note\">\n          <strong>Honest note:<\/strong> BAH is tied to your duty station. If you PCS, your BAH changes but your<br \/>\n          mortgage payment stays the same. Buy at a price your pay supports even if BAH drops, not the absolute<br \/>\n          max. This estimate is education, not a pre-approval or a loan offer.\n        <\/div>\n<div class=\"bc-cta\">\n          <a class=\"primary\" id=\"bcCtaPrimary\" href=\"#\">Talk to a VA Loan Specialist &rarr;<\/a><br \/>\n          <a class=\"ghost\" id=\"bcCtaGhost\" href=\"#\">See LRG Veteran Homefront<\/a>\n        <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>  <script>\n  (function(){\n    \/\/ ===== DTMO 2026 VERIFIED BAH \u2014 MHA TX286 (Fort Cavazos \/ Killeen) =====\n    \/\/ Source: bah_2026_lookup_v2.json from official DTMO data, effective Jan 1 2026\n    \/\/ [with_dependents, without_dependents]\n    var BAH_2026 = {\n      'E-1':[1662,1374],'E-2':[1662,1374],'E-3':[1662,1374],'E-4':[1662,1374],\n      'E-5':[1695,1530],'E-6':[1920,1626],'E-7':[2070,1668],\n      'E-8':[2238,1746],'E-9':[2409,1806],\n      'W-1':[1938,1665],'W-2':[2139,1743],'W-3':[2346,1812],\n      'W-4':[2433,1950],'W-5':[2544,2109],\n      'O-1':[1731,1623],'O-1E':[2100,1692],\n      'O-2':[1917,1689],'O-2E':[2313,1788],\n      'O-3':[2340,1833],'O-3E':[2451,1908],\n      'O-4':[2577,2076],'O-5':[2748,2169],'O-6':[2769,2325],'O-7':[2787,2361]\n    };<\/p>\n<p>    \/\/ ===== FINANCIAL CONSTANTS =====\n    var VA_RATE = 0.0625;        \/\/ representative VA 30yr fixed (Jun 2026)\n    var TERM_MONTHS = 360;\n    var PROP_TAX_ANNUAL = 0.020; \/\/ Bell County effective ~2.0%\n    var INS_ANNUAL = 0.0081;     \/\/ SA homeowners ~0.81%\n    var FUNDING_FEE = 0.0215;    \/\/ VA funding fee, first use, $0 down\n    var BAH_GROSSUP = 1.25;      \/\/ tax-free income grossed up 25% for qualifying<\/p>\n<p>    var ranks = Object.keys(BAH_2026);\n    var dep = 'with';\n    var exempt = false;<\/p>\n<p>    var sel = document.getElementById('bcRank');\n    ranks.forEach(function(r){\n      var o=document.createElement('option'); o.value=r; o.textContent=r;\n      if(r==='E-5') o.selected=true;\n      sel.appendChild(o);\n    });<\/p>\n<p>    var depYes=document.getElementById('bcDepYes'), depNo=document.getElementById('bcDepNo');\n    depYes.addEventListener('click',function(){dep='with';depYes.classList.add('on');depNo.classList.remove('on');updateBah();});\n    depNo.addEventListener('click',function(){dep='without';depNo.classList.add('on');depYes.classList.remove('on');updateBah();});\n    sel.addEventListener('change',updateBah);<\/p>\n<p>    var exemptBox=document.getElementById('bcExempt');\n    exemptBox.addEventListener('change',function(){exempt=this.checked;});<\/p>\n<p>    \/\/ step elements\n    var stepInput=document.getElementById('bcStepInput'), stepResult=document.getElementById('bcStepResult');\n    document.getElementById('bcCalcBtn').addEventListener('click',function(){\n      calc();\n      stepInput.classList.remove('active');\n      stepResult.classList.add('active');\n      document.getElementById('lrgBahCalc').scrollIntoView({behavior:'smooth',block:'start'});\n    });\n    document.getElementById('bcAdjust').addEventListener('click',function(){\n      stepResult.classList.remove('active');\n      stepInput.classList.add('active');\n      document.getElementById('lrgBahCalc').scrollIntoView({behavior:'smooth',block:'start'});\n    });<\/p>\n<p>    \/\/ attribution\n    var params=new URLSearchParams(window.location.search);\n    var REF=params.get('ref')||'fort-cavazos-bah-calculator-2026', INTENT=params.get('intent')||'va-buying-power';\n    document.getElementById('bcCtaPrimary').href='\/lrg-blog\/veteran-homeownership-program-san-antonio\/?ref='+encodeURIComponent(REF)+'&intent=va-loan-specialist';\n    document.getElementById('bcCtaGhost').href='\/lrg-blog\/veteran-homeownership-program-san-antonio\/?ref='+encodeURIComponent(REF)+'&intent=veteran-homefront';<\/p>\n<p>    function money(n){return '$'+Math.round(n).toLocaleString();}<\/p>\n<p>    function updateBah(){\n      var bah=BAH_2026[sel.value][dep==='with'?0:1];\n      document.getElementById('bcBahVal').innerHTML=money(bah)+' <small>\/mo, tax-free<\/small>';\n    }<\/p>\n<p>    function monthlyPI(principal){\n      var r=VA_RATE\/12;\n      return principal*r\/(1-Math.pow(1+r,-TERM_MONTHS));\n    }<\/p>\n<p>    function maxPriceFromBudget(budget){\n      var fee = exempt ? 0 : FUNDING_FEE;\n      var piPer = monthlyPI(1+fee);\n      var taxIns = (PROP_TAX_ANNUAL+INS_ANNUAL)\/12;\n      var perDollar = piPer + taxIns;\n      return budget\/perDollar;\n    }<\/p>\n<p>    function pitiAtPrice(price){\n      var fee = exempt ? 0 : FUNDING_FEE;\n      var financed=price*(1+fee);\n      var pi=monthlyPI(financed);\n      var tax=price*PROP_TAX_ANNUAL\/12;\n      var ins=price*INS_ANNUAL\/12;\n      return {pi:pi,tax:tax,ins:ins,total:pi+tax+ins,financed:financed,fee:fee};\n    }<\/p>\n<p>    function calc(){\n      var rank=sel.value;\n      var bah=BAH_2026[rank][dep==='with'?0:1];\n      var debts=parseFloat(document.getElementById('bcDebts').value)||0;<\/p>\n<p>      updateBah();<\/p>\n<p>      var maxPrice=maxPriceFromBudget(bah);\n      var targetPrice=maxPrice*0.90;\n      var piti=pitiAtPrice(targetPrice);\n      var cushion=bah-piti.total;\n      var covers=cushion>=0;<\/p>\n<p>      var feeNote = exempt\n        ? '<\/p>\n<div class=\"r\"><span class=\"k\">VA funding fee<\/span><span class=\"v\" style=\"color:var(--green)\">$0 (disability exempt)<\/span><\/div>\n<p>'\n        : '<\/p>\n<div class=\"r\"><span class=\"k\">VA funding fee (rolled in)<\/span><span class=\"v\">'+money(targetPrice*FUNDING_FEE)+'<\/span><\/div>\n<p>';<\/p>\n<p>      var R=document.getElementById('bcResult');\n      R.innerHTML=\n        '<\/p>\n<div class=\"bc-headline\">'+\n          '<\/p>\n<div class=\"lbl\">VA $0-down buying power your BAH supports<\/div>\n<p>'+\n          '<\/p>\n<div class=\"big\">'+money(maxPrice)+'<\/div>\n<p>'+\n          '<\/p>\n<div class=\"sub\">Estimated max Killeen-area home price on BAH alone, $0 down'+(exempt?' (fee exempt)':'')+'<\/div>\n<p>'+\n        '<\/p><\/div>\n<p>'+\n        '<\/p>\n<div class=\"bc-cover '+(covers?'yes':'no')+'\">'+\n          '<\/p>\n<div class=\"ic\">'+(covers?'u2713':'!')+'<\/div>\n<p>'+\n          '<\/p>\n<div class=\"txt\">'+\n            (covers\n              ? '<strong>Your BAH covers the full payment with room to spare.<\/strong><span>At a '+money(targetPrice)+' home, your BAH leaves about '+money(cushion)+'\/mo of cushion after the full PITI payment.<\/span>'\n              : '<strong>BAH is close but tight at this price.<\/strong><span>At a '+money(targetPrice)+' home, the full PITI runs about '+money(-cushion)+'\/mo above BAH. Buy lower or add to the payment.<\/span>')+\n          '<\/div>\n<p>'+\n        '<\/p><\/div>\n<p>'+\n        '<\/p>\n<div class=\"bc-rows\">'+\n          '<\/p>\n<div class=\"r\"><span class=\"k\">Home price (conservative target)<\/span><span class=\"v\">'+money(targetPrice)+'<\/span><\/div>\n<p>'+\n          '<\/p>\n<div class=\"r\"><span class=\"k\">Principal &amp; interest<\/span><span class=\"v\">'+money(piti.pi)+'\/mo<\/span><\/div>\n<p>'+\n          '<\/p>\n<div class=\"r\"><span class=\"k\">Property tax (~2.2%)<\/span><span class=\"v\">'+money(piti.tax)+'\/mo<\/span><\/div>\n<p>'+\n          '<\/p>\n<div class=\"r\"><span class=\"k\">Homeowners insurance<\/span><span class=\"v\">'+money(piti.ins)+'\/mo<\/span><\/div>\n<p>'+\n          feeNote+\n          '<\/p>\n<div class=\"r total\"><span class=\"k\">Full monthly payment (PITI)<\/span><span class=\"v\">'+money(piti.total)+'\/mo<\/span><\/div>\n<p>'+\n          '<\/p>\n<div class=\"r\"><span class=\"k\">Your BAH<\/span><span class=\"v\">'+money(bah)+'\/mo<\/span><\/div>\n<p>'+\n          '<\/p>\n<div class=\"r total\"><span class=\"k\">'+(covers?'Cushion left over':'Shortfall')+'<\/span><span class=\"v\">'+money(Math.abs(cushion))+'\/mo<\/span><\/div>\n<p>'+\n        '<\/p><\/div>\n<p>';\n    }<\/p>\n<p>    updateBah();\n  })();\n  <\/script>\n<\/div>\n<p><!-- SEO BODY CONTENT --><\/p>\n<section class=\"nh-blk\">\n<div class=\"nh-wrap\">\n<div class=\"nh-sec-head\">\n<div class=\"nh-sec-kicker\">How It Works<\/div>\n<h2 class=\"nh-sec-title\" id=\"how-the-fort-cavazos-bah-calculator-estimates-your-buying-power\">How the Fort Cavazos BAH calculator estimates your buying power<\/h2>\n<\/div>\n<div class=\"nh-prose\">\n<p>The calculator takes your 2026 Fort Cavazos BAH rate (MHA TX286, effective January 1 2026) and runs it through the same math a VA lender uses: $0 down, 30-year fixed rate, Bell County property tax at 2.0%, and homeowners insurance at 0.81%. It shows the maximum home price your BAH alone supports and whether the full PITI payment fits inside your BAH with room left over.<\/p>\n<p>The conservative target price is 90% of the theoretical maximum. This cushion matters because BAH is tied to your duty station. If you PCS, your BAH changes but your mortgage stays the same. Buying below the max means your base pay can cover the difference if BAH drops.<\/p>\n<\/div>\n<\/div>\n<\/section>\n<section class=\"nh-blk alt\">\n<div class=\"nh-wrap\">\n<div class=\"nh-sec-head\">\n<div class=\"nh-sec-kicker\">2026 BAH Rates<\/div>\n<h2 class=\"nh-sec-title\" id=\"2026-fort-cavazos-bah-rates-by-pay-grade-mha-tx286\">2026 Fort Cavazos BAH rates by pay grade (MHA TX286)<\/h2>\n<\/div>\n<div class=\"nh-prose\">\n<p>All four Fort Cavazos (Lackland AFB, Fort Sam Houston, Randolph AFB, and Camp Bullis) fall under the same Military Housing Area code TX286. These rates are from the Defense Travel Management Office (DTMO), effective January 1 2026.<\/p>\n<\/div>\n<div class=\"nh-facts\">\n<div class=\"nh-fact-card\">\n<div class=\"h\">Enlisted (E-1 through E-9)<\/div>\n<div class=\"b\">\n<dl>\n<div class=\"row\"><b>E-1 to E-4<\/b><span>$1,662\/mo with dependents, $1,374 without<\/span><\/div>\n<div class=\"row\"><b>E-5<\/b><span>$1,695 with, $1,530 without<\/span><\/div>\n<div class=\"row\"><b>E-6<\/b><span>$1,920 with, $1,626 without<\/span><\/div>\n<div class=\"row\"><b>E-7<\/b><span>$2,070 with, $1,668 without<\/span><\/div>\n<div class=\"row\"><b>E-8<\/b><span>$2,238 with, $1,746 without<\/span><\/div>\n<div class=\"row\"><b>E-9<\/b><span>$2,409 with, $1,806 without<\/span><\/div>\n<\/dl>\n<\/div>\n<\/div>\n<div class=\"nh-fact-card\">\n<div class=\"h\">Warrant Officers (W-1 through W-5)<\/div>\n<div class=\"b\">\n<dl>\n<div class=\"row\"><b>W-1<\/b><span>$1,938 with, $1,665 without<\/span><\/div>\n<div class=\"row\"><b>W-2<\/b><span>$2,139 with, $1,743 without<\/span><\/div>\n<div class=\"row\"><b>W-3<\/b><span>$2,346 with, $1,812 without<\/span><\/div>\n<div class=\"row\"><b>W-4<\/b><span>$2,433 with, $1,950 without<\/span><\/div>\n<div class=\"row\"><b>W-5<\/b><span>$2,544 with, $2,109 without<\/span><\/div>\n<\/dl>\n<\/div>\n<\/div>\n<div class=\"nh-fact-card\">\n<div class=\"h\">Officers (O-1 through O-7)<\/div>\n<div class=\"b\">\n<dl>\n<div class=\"row\"><b>O-1<\/b><span>$1,731 with, $1,623 without<\/span><\/div>\n<div class=\"row\"><b>O-2<\/b><span>$1,917 with, $1,689 without<\/span><\/div>\n<div class=\"row\"><b>O-3<\/b><span>$2,340 with, $1,833 without<\/span><\/div>\n<div class=\"row\"><b>O-4<\/b><span>$2,577 with, $2,076 without<\/span><\/div>\n<div class=\"row\"><b>O-5<\/b><span>$2,748 with, $2,169 without<\/span><\/div>\n<div class=\"row\"><b>O-6<\/b><span>$2,769 with, $2,325 without<\/span><\/div>\n<div class=\"row\"><b>O-7<\/b><span>$2,787 with, $2,361 without<\/span><\/div>\n<\/dl>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<section class=\"nh-blk\">\n<div class=\"nh-wrap\">\n<div class=\"nh-sec-head\">\n<div class=\"nh-sec-kicker\">VA Disability Exemption<\/div>\n<h2 class=\"nh-sec-title\" id=\"why-the-disability-exemption-changes-your-buying-power\">Why the disability exemption changes your buying power<\/h2>\n<\/div>\n<div class=\"nh-prose\">\n<p>Veterans with a VA disability rating of 10% or higher are exempt from the VA funding fee. On a $250,000 home with $0 down, that saves $5,375 at closing (2.15% first-use fee). When the fee is rolled into the loan, exemption also reduces the monthly payment because your financed amount is lower. Use the toggle above to see the difference.<\/p>\n<p>Surviving spouses of Veterans who died in service or from a service-connected disability are also exempt. Purple Heart recipients on active duty are exempt as well. If you qualify, bring your VA disability rating letter or Certificate of Eligibility showing the exemption when you apply.<\/p>\n<\/div>\n<\/div>\n<\/section>\n<section class=\"nh-blk alt\">\n<div class=\"nh-wrap\">\n<div class=\"nh-sec-head\">\n<div class=\"nh-sec-kicker\">BAH + VA Loan<\/div>\n<h2 class=\"nh-sec-title\" id=\"how-bah-works-with-a-va-loan-in-killeen\">How BAH works with a VA loan in Killeen<\/h2>\n<\/div>\n<div class=\"nh-prose\">\n<p>BAH is tax-free income. When a VA lender qualifies you, they gross up your BAH by 25% to create an equivalent taxable income figure. An E-5 with dependents receiving $1,695\/mo in BAH is treated as having $2,119\/mo in qualifying income from that source alone, before base pay is added.<\/p>\n<p>The VA does not set a maximum loan amount for eligible borrowers with full entitlement. In Killeen, the 2026 conforming limit is $832,750, and most homes fall well below that. The practical limit is what your total income supports at the VA&#8217;s residual income standard, not a hard dollar cap.<\/p>\n<p>Bell County property tax runs about 2.0% of assessed value in Bell County, higher than the national average. Homeowners insurance averages around 0.81%. These two costs add roughly $500 to $600\/mo on a typical Killeen-area home and are the reason a national BAH calculator overstates buying power here.<\/p>\n<\/div>\n<\/div>\n<\/section>\n<section class=\"nh-blk nh-related\">\n<div class=\"nh-wrap\">\n<div class=\"nh-sec-head\">\n<div class=\"nh-sec-kicker\">Related Tools &amp; Guides<\/div>\n<h2 class=\"nh-sec-title\" id=\"more-for-fort-cavazos-military-homebuyers\">More for Fort Cavazos Military homebuyers<\/h2>\n<\/div>\n<ul>\n<li><a href=\"\/lrg-blog\/veteran-homeownership-program-san-antonio\/\">LRG Veteran Homefront &rarr;<\/a><\/li>\n<li><a href=\"\/tools\/how-much-house-can-i-afford-san-antonio\/\">Killeen Affordability Calculator &rarr;<\/a><\/li>\n<li><a href=\"\/lrg-blog\/va-loan-bad-credit-san-antonio\/\">VA Loan with Bad Credit in Killeen &rarr;<\/a><\/li>\n<li><a href=\"\/lrg-blog\/no-money-down-homes-san-antonio\/\">No Money Down Homes in Killeen &rarr;<\/a><\/li>\n<li><a href=\"\/lrg-blog\/down-payment-assistance-san-antonio-2026\/\">Down Payment Assistance Programs 2026 &rarr;<\/a><\/li>\n<\/ul>\n<\/div>\n<\/section>\n<p><!-- FAQ --><\/p>\n<section class=\"nh-blk\">\n<div class=\"nh-wrap\">\n<div class=\"nh-sec-head\">\n<h2 class=\"nh-sec-title\" id=\"frequently-asked-questions\">Frequently asked questions<\/h2>\n<\/div>\n<details class=\"nh-faq\">\n<summary>What is MHA TX286?<\/summary>\n<div class=\"nh-faq-ans\">MHA TX286 is the Military Housing Area code for the Killeen-Temple-Fort Cavazos area in Central Texas. Fort Cavazos (formerly Fort Hood) is the primary installation in this MHA. All Service Members stationed at Fort Cavazos receive the same BAH rate for their pay grade and dependency status.<\/div>\n<\/details>\n<details class=\"nh-faq\">\n<summary>Does BAH cover a mortgage in Killeen?<\/summary>\n<div class=\"nh-faq-ans\">For most pay grades E-5 and above with dependents, BAH covers the full PITI payment on a conservatively priced Killeen-area home with a VA $0-down loan. Lower enlisted grades without dependents may need to supplement BAH with base pay. The calculator above shows the exact numbers for your grade.<\/div>\n<\/details>\n<details class=\"nh-faq\">\n<summary>Is BAH counted as income for a VA loan?<\/summary>\n<div class=\"nh-faq-ans\">Yes. BAH is tax-free, so lenders gross it up by 25% when calculating your qualifying income. An E-5 with $1,695\/mo BAH is treated as having $2,119\/mo in equivalent taxable income from that source. This gross-up increases your total qualifying income and the home price you can support.<\/div>\n<\/details>\n<details class=\"nh-faq\">\n<summary>What happens to my mortgage if I PCS from JBSA?<\/summary>\n<div class=\"nh-faq-ans\">Your mortgage payment stays the same regardless of where you move. Your BAH changes to match your new duty station&#8217;s rate. If your new station has a lower BAH, you cover the difference from base pay. This is why the calculator uses a conservative target price (90% of max) rather than the absolute ceiling.<\/div>\n<\/details>\n<details class=\"nh-faq\">\n<summary>What is the VA funding fee and who is exempt?<\/summary>\n<div class=\"nh-faq-ans\">The VA funding fee is a one-time charge (2.15% for first-use, $0-down loans) that can be rolled into the loan. Veterans with a VA disability rating of 10% or higher are exempt, as are surviving spouses receiving DIC and Purple Heart recipients on active duty. Use the disability toggle in the calculator to see how exemption changes your buying power.<\/div>\n<\/details>\n<details class=\"nh-faq\">\n<summary>Are the BAH rates in this calculator official?<\/summary>\n<div class=\"nh-faq-ans\">Yes. The rates are from the Defense Travel Management Office (DTMO) 2026 BAH tables for MHA TX286 (Killeen), effective January 1 2026. The DTMO publishes new rates annually each December for the following year.<\/div>\n<\/details>\n<\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"<p>Fort Cavazos BAH Calculator 2026: What Can Your BAH Buy in Killeen? Fort Cavazos BAH &amp; VA Loan Buying Power Calculator See what your Killeen BAH supports with a VA $0-down loan, and whether it covers the full monthly payment with cushion. Fort Cavazos (formerly Fort Hood) is the primary installation in the Killeen MHA. [&hellip;]<\/p>\n","protected":false},"author":25,"featured_media":0,"parent":6242,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-6123","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Fort Cavazos BAH Calculator 2026: VA Buying Power | Killeen TX<\/title>\n<meta name=\"description\" content=\"See what your 2026 Fort Cavazos BAH supports with a VA $0-down loan in Killeen. Official DTMO rates (MHA TX286). 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