First-Time Homebuyer · Texas · NMLS #1603937

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Step 1 of 5

What are you looking to do?

Pick the closest match. You can change this with your loan officer.

Step 2 of 5

When do you want to close?

No commitment — this just helps us prioritize your file.

Step 3 of 5

How much do you have for a down payment?

No stress if it's low — we have programs starting at $0 down with assistance.

Step 4 of 5

Estimated property value

Drag to adjust. Round number is fine — we use it to size your loan options.

$450,000

$100K $1M $2M $3M+

Step 5 of 5 — Final step

Where can a loan officer reach you?

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✓ Got it.

A Texas-licensed loan officer will call you within 24 hours. If you'd rather we call sooner, dial (702) 420-0655.

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First-Time Homebuyer in Texas

What Texas buyers need to know

Texas leads the nation in population growth, with the Houston, Dallas-Fort Worth, Austin, and San Antonio metros each adding tens of thousands of new residents per year. Strong job markets in tech, energy, and healthcare keep buyer demand steady, and Texas has no state income tax.

Conforming limit (2026)

$806,500

Top markets

Houston · San Antonio · Dallas

Requirements

First-Time Homebuyer Eligibility in Texas

Generally simple, with state-by-state variations.

First-Time Status

3-Year Rule

No primary-residence ownership in the past 3 years. Some programs waive even this for veterans and certain professions.

Credit Score

580-620+

FHA: 580+. Conventional first-time programs: 620+. We can help with credit improvement strategies if you're close.

Down Payment

0-3.5%

VA: $0. Conventional first-time programs: 3%. FHA: 3.5%. DPA programs can cover the rest.

Income Limits

Vary by Program

Some programs (HomeReady, Home Possible) have income caps tied to local AMI; others have none.

Lending Arena, NMLS #1603937. Licensed by the Texas Department of Savings and Mortgage Lending. Texas A6 home equity transactions are subject to the disclosures and protections of Texas Constitution Section 50(a)(6). Equal Housing Lender. This is not a commitment to lend. CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.