Buying your first home in Texas isn't one product — it's a pathway. The right route depends on your credit, income, and savings. This guide maps your options: low-down-payment loans, down payment assistance, and the tax credits that can stack on top.
Most first-time buyers think the barrier is a 20% down payment. It usually isn't. Between low-down-payment loans (as little as 3–3.5% down) and Texas down payment assistance (up to 5% of your loan), many first-time buyers reach the closing table with far less cash than they expected. The job is choosing the right combination for your situation — and that's exactly what I help you do.
In most programs, "first-time buyer" simply means you haven't owned a primary residence in the past 3 years — and it's often waived for veterans. You may qualify even if you've owned before.
3.5% down at 580+ credit. The most common first-time path, with flexible approval and gift funds allowed.
View FHA guide →As little as 3% down with cancelable PMI. Best for stronger credit (620+) and lower long-term cost.
View Conventional guide →$0 down in USDA-eligible areas — parts of Fort Bend, Waller, Brazoria, and Montgomery counties qualify. Income limits apply.
Call for details →The right loan depends on your credit, how much you've saved, and your long-term plans. One call and I'll map the cheapest route for your numbers.
Up to 5% DPA, any profession, no first-time requirement. Income limits by county.
View program →3–5% DPA for teachers, first responders, and veterans.
View program →State first-time program: up to 5% DPA, FHA/VA/USDA, optional MCC combo.
View program →Annual federal tax credit up to $2,000/year for as long as you live in the home.
View program →Rough estimate for illustration only. Closing costs assumed ~3% of price. Not an offer or approval.
Let's map your cheapest path to the keys — loan, down payment help, and tax credit, combined for your situation. No cost, no obligation. English & Turkish.