First-Time Home Buyers
Texas First Time Home Buyers | Best Down Payment Assistance - 2026
Explore the best down payment assistance programs available in Texas for first-time buyers, including grants, deferred loans, and forgivable options.
What You Will Learn
One of the biggest misconceptions about buying a home is that you need a large down payment. In this video, Patrick breaks down the real zero-down and low-down-payment options available to Texas homebuyers in 2024 and beyond. From conventional 100% financing to USDA and VA loans, you will learn which programs you may qualify for.
Texas offers some of the most generous down payment assistance programs in the country. Patrick explains how these work, who qualifies, and how to combine them with your primary loan to minimize your cash-to-close.
If you are just starting your journey, read Patrick's complete first-time homebuyer roadmap to learn the full home buying process from start to finish.
Key Takeaways
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Zero Down Payment Is Possible
VA loans (zero down for veterans), USDA loans (zero down in eligible rural areas), and some conventional programs offer 100% financing for qualified buyers.
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Texas Down Payment Assistance Programs
The Texas State Affordable Housing Corporation (TSAHC) and local housing authorities offer grants and deferred loans to help with down payment and closing costs.
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Credit Score Requirements Vary by Program
Each loan program has different minimum credit score requirements. Patrick explains what you need for FHA (580+), conventional (620+), and VA (no official minimum).
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Seller Concessions Can Cover Your Costs
Even with a low down payment, you may be able to negotiate seller concessions to cover some or all of your closing costs, reducing your cash needed even further.
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Dual Licensing Gives You an Advantage
As both a REALTOR and Loan Officer, Patrick can structure your offer and financing together to minimize your out-of-pocket costs while keeping your offer competitive.
Continue Learning
Read the full guide: Texas Down Payment Assistance (Home Sweet Texas / TSAHC) and compare what Texas offers to other states.
Patrick explains the best down payment assistance programs in Texas and who qualifies for each one.
Want to Know How Much You Can Afford?
Patrick can help you explore down payment assistance options and find the right loan program for your situation.
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