Texas Home Loans
Texas Home Loan Types
Most Texas down payment assistance pairs with a standard first mortgage. Compare the four main loan types below to see which may fit your credit, your savings, and the home you're buying.
Loan Types
Compare Texas Loan Types
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Conventional Loans
A conventional loan can start with as little as 3% down in Texas, with PMI that cancels as you build equity. Here are the requirements, the 2026 loan…
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FHA Loans
An FHA loan is how many Texas buyers get into a home with just 3.5% down and a credit score as low as 580. Here is how FHA loans work in Texas — the…
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VA Loans
A VA loan lets eligible Texas veterans and service members buy a primary residence with $0 down and no monthly mortgage insurance. Here is how eligibility,…
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USDA Loans
A USDA loan lets eligible Texas buyers purchase a primary home in a USDA-eligible rural area with 100% financing and no down payment. Here is how…
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Find Your Texas Down Payment Assistance.
We will show you which Texas state programs (TSAHC, TDHCA, and the federal MCC tax credit) fit your situation, then introduce you to a Texas-licensed mortgage professional in our partner network who closes these programs every month.