Looking for just the purchase home loan programs in Texas that fit your unique situation? Start your free personalized mortgage review by clicking here.
Popular Purchase Loan Programs
Check out the most popular purchase loan programs in Texas
Conventional Purchase Loan
Most PopularBest For: Flexible Terms, Lowest Rates, Savvy Investors
Meet the most popular mortgage program. Flexible financing offering a wide range of attractive benefits to qualified homebuyers across the US.
Min. Credit Score
620
Min. Down Payment
5%
Max. Loan Amount
$806,500
FHA Purchase Loan
Most PopularBest For: First Time Homebuyers, Low Credit Scores, Lowest Rates, Easy Qualification
Low down payment requirements, easier qualification guidelines, lower rates, and flexible terms for first time homebuyers and beyond.
Min. Credit Score
580
Min. Down Payment
3.5%
Max. Loan Amount
$524,225 - $806,500
Purchase Options for Purchasing a Home
We searched our national mortgage database to find all of the purchase home loan options for Purchase available in Texas:
Conventional Purchase Loan
Best For: Flexible Terms, Lowest Rates, Savvy Investors
Meet the most popular mortgage program. Flexible financing offering a wide range of attractive benefits to qualified homebuyers across the US.
Min. Credit Score
620
Min. Down Payment
5%
Max. Loan Amount
$806,500
FHA Purchase Loan
Best For: First Time Homebuyers, Low Credit Scores, Lowest Rates, Easy Qualification
Low down payment requirements, easier qualification guidelines, lower rates, and flexible terms for first time homebuyers and beyond.
Min. Credit Score
580
Min. Down Payment
3.5%
Max. Loan Amount
$524,225 - $806,500
VA Purchase Loan
Best For: Lowest Rates, Zero Down
VA purchase loan program with no down payment requirement, competitive interest rates, limited closing costs, and no private mortgage insurance.
Min. Credit Score
580
Min. Down Payment
0%
Max. Loan Amount
$806,500
HomeReady® Purchase Loan
Best For: First Time Homebuyers, Low Down Payments
Competitive pricing, affordable mortgage insurance and flexible qualification for buying a home with limited income and funds.
Min. Credit Score
620
Min. Down Payment
3%
Max. Loan Amount
$806,500
HomeOne® Purchase Loan
Best For: First Time Homebuyers, Easy Process
A low down payment solution to help first time homebuyers with limited savings take advantage of the benefits of a conventional loan program.
Min. Credit Score
620
Min. Down Payment
3%
Max. Loan Amount
$806,500
Special Programs for Purchase
These additional loan programs available in Texas may provide help for down payment and closing costs, qualification for borrowers who don't fit the traditional mold, and unique portfolio programs for special situations.
FHA 203(k) Standard Renovation Loan
Best For: First Time Homebuyers, Low Down Payments, Home Renovations
The FHA 203(k) Standard allows borrowers to purchase a home and include for the cost of renovations in the loan, with as little as 3.5% down payment.
Min. Credit Score
620
Min. Down Payment
3.5%
Max. Loan Amount
$524,225 - $1,209,750
Up to 50% of Price or ValueYour Estimated Renovation Fund
HomeStyle® Renovation Purchase Loan
Best For: High Credit Scores, Home Renovations
HomeStyle® allows for the renovation budget to be financed into the loan, allowing homebuyers to turn their house into their dream home.
Min. Credit Score
620
Min. Down Payment
3%
Max. Loan Amount
$806,500
Up to 75% of Price or ValueYour Estimated Renovation Fund
CHOICERenovation® Purchase Loan
Best For: Savvy Investors, Home Renovations
Include for home improvements and repairs in your conventional loan this convenient and flexible program for renovations from Freddie Mac.
Min. Credit Score
620
Min. Down Payment
3%
Max. Loan Amount
$806,500
Up to 75% of Price or ValueYour Estimated Renovation Fund
Texas Veteran VA Loan
Best For: First Time Homebuyers, Low Credit Scores, Lowest Rates, Zero Down
The TexVet VA Loan allows Texas Veterans to purchase a home with a competitive, low-interest loan and zero down.
Min. Credit Score
580
Min. Down Payment
0%
Max. Loan Amount
$726,200
TDHCA My First Texas Home
Best For: First Time Homebuyers, Zero Down
Up to 5% down payment and closing cost assistance for Texas first time homebuyers with either forgivable or repayable assistance.
Min. Credit Score
620
Min. Down Payment
0%
Max. Loan Amount
$571,550
Up to 5.00% of 1st Loan Amount Program Benefit Amount
* Some loan programs may not be offered by all featured lenders of ReviewMyMortgage.com and qualification guidelines may vary between them. Our team makes their best effort to keep loan program information up to date. Loan programs may change without warning. ReviewMyMortgage.com does not guarantee or offer any loan products. ReviewMyMortgage.com is strictly an educational resource hub for consumers.
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