First-Time Buyers

Everything you need to know before starting your home search

The Buying Process

1

Get Pre-Approved

Understand your budget and get mortgage pre-approval from lenders

2

Find Your Home

Search for properties that match your needs and budget

3

Make an Offer

Submit a competitive offer and negotiate terms

4

Home Inspection

Get a professional inspection and address any issues

5

Final Walkthrough

Verify all agreed-upon repairs and conditions

6

Closing

Sign documents and receive keys to your new home

Texas Down Payment Assistance Programs

As a first-time buyer, you may qualify for programs that cover some — or all — of your down payment.

Available Programs: Texas buyers may qualify for Home Sweet Texas, Hometown Heroes, County DPA, My First Texas Home, My Choice Texas Home, NHF, the Mortgage Credit Certificate (MCC), and Homes for Texas Heroes — plus county-specific programs such as Harris County DPA and Montgomery County DPA.

Home Sweet Texas Program: Available to both first-time and repeat buyers with low-to-moderate household income. Requires qualifying for an FHA, VA, or USDA loan.

Example: On a $300,000 purchase with a 3% down payment ($9,000) and FHA upfront mortgage insurance (1.75%, $5,250), the total loan amount comes to $314,250. A 5% down payment assistance grant ($15,000) can cover the entire down payment, potentially leaving $0 owed toward it at closing.

Ready to Start Your Buying Journey?

Book a free consultation to discuss your home buying goals.

Schedule a Consultation →