From 0% down to Texas-specific grants — most buyers qualify for more than they think.
The most powerful loan program in existence, and most veterans don't fully use it. Backed by the Department of Veterans Affairs, VA loans require no down payment, no private mortgage insurance (PMI), and offer the best rates available for eligible borrowers.
Key point: If you've served, this is almost always your best option. The VA funding fee (1.25%–3.3% depending on usage) is typically lower than years of PMI.
Federal Housing Administration loans are backed by the government and are the most common choice for first-time buyers. Lower credit requirements and down payments make them accessible when conventional financing isn't.
Key point: MIP doesn't automatically drop off FHA loans made after 2013 with less than 10% down — you may need to refinance to conventional to remove it once you hit 20% equity.
Loans that conform to Fannie Mae or Freddie Mac standards. Stronger credit requirements but no upfront mortgage insurance premium, and PMI can be removed automatically at 20% equity.
United States Department of Agriculture loans are for rural and suburban properties in eligible areas. Often overlooked — many Texas suburbs and smaller cities qualify.
Key point: Check the USDA eligibility map — many areas outside of major metros qualify, including parts of the Houston, DFW, and San Antonio metro areas.
Texas Department of Housing and Community Affairs program offering below-market 30-year fixed rates plus up to 5% in down payment and closing cost assistance.
Texas State Affordable Housing Corporation offers two programs: one for any buyer, one specifically for 'Texas Heroes' (teachers, nurses, police, firefighters, correctional officers, veterans).
Key point: TSAHC grants are one of the best-kept secrets in Texas real estate. Many buyers who could qualify never use them because their agent didn't know to ask.
Official and third-party resources for research and applications — provided for your convenience, not as endorsements. Confirm current terms directly with each provider, and reach out to me anytime for a trusted referral.
This is what I do — help you understand exactly where you stand before you commit to anything.
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