FHA loans
Often useful for buyers with a smaller down payment. FHA payment estimates should include mortgage insurance and the community-specific tax/PID assumptions.
Homebuyer Resources
Loan programs, closing costs, and buyer help in one place.
Use this as the plain-English starting point before comparing homes. Payment estimates should include principal, interest, taxes, homeowners insurance, mortgage insurance when applicable, and PID or MUD where the community has it.
VA loans
A strong option for eligible veterans and active-duty buyers, usually with no monthly PMI and favorable down payment terms.
USDA loans
Can be powerful in qualifying areas for buyers who are open to communities outside the core city limits.
Conventional loans
Often best for buyers with stronger credit, more savings, or a larger down payment. PMI depends on the down payment.
Down payment assistance
Texas assistance programs may help qualified buyers reduce cash needed at closing. Program rules change, so lender verification matters.
Closing costs
Builder incentives may help with closing costs on select homes. The exact offer should be confirmed before writing a contract.