I’m 100% TDIU but Rating Is 80% And Want to Use VA Home Loan

You are eligible for the Texas property tax exemption as a 100% TDIU recipient, as the state recognizes TDIU as a 100% disability rating for this benefit; your lender is incorrect that you must wait until after closing. Under Texas Tax Code § 11.22, a veteran awarded "100 percent disability compensation due to a service-connected disability" or "individual unemployability" is entitled to a full property tax exemption on their primary residence. The VA considers you totally disabled for compensation purposes under 38 CFR 4.16, and Texas law mirrors this for tax relief. Your VA award letter stating "you are being paid at the 100 percent rate due to unemployability" is the key document. Your actionable next steps are: 1) Contact your county’s Central Appraisal District (CAD) Property Tax Exemption office *immediately* to obtain their specific application form and required documentation (typically your VA award letter and DD-214). 2) Submit this application *now*; while the exemption can be processed after closing, initiating it pre-closing ensures clarity for all parties and may influence your lender's escrow calculations. 3) Provide a copy of the submitted exemption application to your lender to correct their understanding. Do not rely on a post-closing application, as this could lead to unnecessary escrow shortages and financial strain.

*Disclaimer: This information is for educational purposes regarding VA benefits and related state programs. It is not legal, financial, or medical advice, and you should consult with a VA-accredited attorney or claims agent for guidance specific to your case.*