Grants up to $25,000+. Down payments as low as 0%. STX Lending is an approved lender for every major Texas first-time buyer program — TSAHC, TDHCA, Chenoa Fund, and more.
Texas offers some of the most generous first-time homebuyer programs in the nation. Between state grants, federal tax credits, and flexible loan options, your first home may cost less upfront than rent.
Texas offers some of the nation's most generous grant programs. TSAHC and TDHCA provide up to 5% of your loan amount as a grant or forgivable second lien. City programs in Houston, Austin, and Fort Worth offer even more.
FHA loans start at 3.5% down (580 credit), conventional at 3% down (620 credit). VA and USDA offer 0% down. Stack with DPA to potentially eliminate your out-of-pocket down payment entirely.
FHA accepts credit scores as low as 580. Conventional programs start at 620. Even with limited or non-traditional credit history, we have pathways to help you qualify for your first home.
Claim a portion of your annual mortgage interest as a dollar-for-dollar federal tax credit. An MCC can save you thousands over the life of your loan and help you qualify for a higher loan amount.
Every major program — all under one roof with one application.
30-year fixed-rate mortgage with down payment assistance up to 5% of the loan amount. Available as a non-repayable grant or deferred forgivable second lien. Requires 620+ credit.
For teachers, firefighters, EMS, police, corrections officers, and veterans. Same benefits as Home Sweet Texas with dedicated hero-specific underwriting support.
Below-market interest rates with up to 5% DPA as a zero-interest, no-monthly-payment deferred second lien. Works with FHA, VA, and USDA loans. Requires 620+ credit.
Fannie Mae and Freddie Mac affordable programs with 3% down and reduced PMI. Count non-borrower household income to help qualify. PMI cancels at 20% equity.
Government-backed with 3.5% down from 580 credit score, or 10% down from 500. Most popular choice for first-time buyers nationwide. No income limits.
0% down, no PMI, no income limits, competitive rates. Available to eligible veterans, active-duty service members, and surviving spouses.
Side-by-side: which loan type fits your situation?
Texas cities offer their own DPA programs — stackable with state grants.
We guide first-time buyers through every step.
We check your credit, income, and DPA eligibility — all in one call. No commitment, no credit impact. You'll know exactly what programs you qualify for.
Lock in your pre-approval and we submit your DPA applications to TSAHC, TDHCA, and any city programs simultaneously. No extra paperwork for you.
Shop with confidence knowing your maximum budget and how much assistance you're receiving. We provide a pre-approval letter that makes sellers take your offer seriously.
Complete your homebuyer education (if required), finalize your loan, and close. Many first-time buyers close with less than $1,000 out of pocket.
Run the numbers before you sign. These calculators answer the most common buyer questions.
See how extra payments shave years off your loan and save tens of thousands in interest.
Split your monthly payment in half — paid every 2 weeks — and shave ~5 years off a 30-year loan.
Estimate your annual Texas property tax with homestead exemption math built in.
Common questions from Texas first-time homebuyers.
Grants. Low down payments. Built for families like yours.
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