VA loans
Eligible veterans, service members and surviving spouses can use VA loans in Camp Swift like anywhere in Texas, usually with no down payment and no monthly mortgage insurance.
Camp Swift at a glance
- County
- Bastrop County
- Metro area
- Austin-Round Rock-San Marcos, TX
- Population (2024)
- 7,505
- Median home value
- $171,800 (Texas: $260,400)
- Land area
- 12.08 sq mi
- Nearest major city
- Austin, about 29 miles
- Nearest military installation
- Fort Cavazos, about 72 miles
Home prices in Camp Swift
The median value of owner-occupied homes in Camp Swift is about $171,800, below the Texas median of $260,400 and compared with $269,500 across Bastrop County.
Home loan options in Camp Swift
USDA loans
With about 7,505 residents, Camp Swift may include addresses that qualify for USDA Rural Development loans, which require no down payment for eligible buyers within income limits. Eligibility is set address by address on USDA's map.
FHA and conventional loans
FHA loans offer flexible credit guidelines and a low down payment, while conventional loans can work well for buyers with stronger credit. Both are available throughout Bastrop County.
Refinancing a home in Camp Swift
A rate-and-term refinance can lower your rate or change your loan term without taking cash out. If you want to tap your equity, Texas treats any cash-out refinance of your homestead as a home equity loan under Section 50(a)(6) of the Texas Constitution: the new loan plus other debt on the home generally can't exceed 80% of its value, and closing waits at least 12 days after you apply and receive the required notice. Veterans may also use a VA streamline (IRRRL) refinance, and FHA borrowers an FHA streamline refinance.
Down payment help for Camp Swift homebuyers
Buyers in Camp Swift can apply for Texas state programs, including My First Texas Home, My Choice Texas Home, Texas Mortgage Credit Certificate, Homes for Texas Heroes, as well as programs run by Bastrop County or local housing agencies where available. Income, purchase price and eligibility rules apply.
Texas rules that apply in Camp Swift
Texas cash-out refinance and home equity loans (Section 50(a)(6))
Texas has stricter home equity rules than any other state. They apply whenever you take cash out of your homestead, through a cash-out refinance or a home equity loan.
Property taxes, homestead exemptions and escrow
Texas has no state income tax and no state property tax, but local taxes set by counties, cities, school districts and special districts are among the higher rates in the country. Most lenders collect property taxes and homeowners insurance monthly in an escrow account.
Title insurance and closing
Title insurance premiums in Texas are set by the Texas Department of Insurance, so the base premium is the same at every title company. Closings usually take place at a title company.
Home loans near Camp Swift
Camp Swift mortgage FAQs
What is the median home value in Camp Swift, Texas?
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About $171,800, based on the U.S. Census Bureau's 2019-2023 American Community Survey. The Texas median is $260,400 and the Bastrop County median is $269,500.
What county is Camp Swift, TX in?
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Camp Swift is in Bastrop County. Property taxes and the homestead exemption are handled by the Bastrop County appraisal district.
What is the conforming loan limit in Bastrop County?
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For 2026, the conforming loan limit for a one-unit home is $832,750, the same in every Texas county. Larger loans are jumbo loans.
Can I get a USDA loan in Camp Swift?
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Possibly. Camp Swift has about 7,505 residents, and smaller Texas communities often include USDA-eligible addresses. Eligibility depends on the exact address and your household income.
Can I do a cash-out refinance on a home in Camp Swift?
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Yes, under Texas home equity rules (Section 50(a)(6)). Your new loan plus other debt on the home generally can't exceed 80% of its value, and the loan can't close until 12 days after you apply and receive the required notice. A rate-and-term refinance with no cash out isn't subject to these limits.
Ready to buy or refinance in Camp Swift?
Talk with a licensed HomyLoan loan officer: Office (830) 200-0016 · Cell (817) 305-3724