Your First Home Is Closer Than You Think
Down payment assistance, low-down-payment options, and programs that Texas buyers actually qualify for. We help you understand where you stand and exactly what comes next.
We Do More Than Process a Loan
Buying your first home involves a lot of moving pieces, and many lenders just hand you paperwork and wish you luck. That's not how we work. We take time to understand your situation, find the programs you actually qualify for, and walk with you from pre-approval to closing day.
Our team is Texas-based, so we know the local programs, the local market, and what it really takes to get a first-time buyer across the finish line.
Program Matching
Not every program fits every buyer. We review your full picture and pinpoint the assistance options that match your income, credit, and the home you want.
Clear Guidance
We explain what's required, what to expect at each stage, and what you'll need to bring. No surprises, no confusion — just a clear path forward.
Local Knowledge
We work with Texas homebuyer programs every day, which means faster answers, better context, and a team that knows how to close in this market.
First-Time Buyer Programs Across Texas
Texas offers a range of accessible homebuyer assistance programs at the city, county, and state level — many designed specifically to reduce the upfront cost of buying your first home. If you live or work in Texas, there's a good chance something is available to you right now.
Texas Made Mortgage works with these programs regularly and can help you figure out which ones you may qualify for based on your income, credit, and the property you're considering.
First-Time Buyer Questions, Answered
Most programs define a first-time buyer as someone who hasn't owned a home or held a mortgage in the past three years. That means even if you've owned before, you may still qualify as a first-time buyer today. We can quickly confirm whether you meet the definition for a given program.
Down payment assistance helps cover some or all of your down payment and, in some cases, closing costs. Depending on the program, it may come as a grant or a second loan with favorable terms. We'll walk you through which type fits your situation and how it affects your bottom line at closing.
Many programs start at a 580 minimum credit score, though some options call for a higher score depending on the loan type. We look at your overall financial picture, not just one number — and if your score needs work, we'll help you map out a plan to get there.
Not necessarily. Some assistance programs are tied to specific areas, while others are available statewide. We'll match you with the programs that apply to the location you're actually shopping in.
Some assistance programs ask first-time buyers to complete a short homebuyer education course. It's usually quick, often available online, and can genuinely help you feel prepared. We'll let you know up front if a program you're considering requires it.
Not always. Lenders generally want to see stable, reliable income, but a two-year history at the exact same employer isn't a hard rule. Job changes within the same field, school-to-work transitions, and other situations can often still work. Tell us about your history and we'll give you a straight answer.
It's smart to keep some cushion for reserves and the costs that come with a new home. The right amount depends on your loan type and budget. We'll help you plan so you're not stretched thin on day one of homeownership.
Ready to Take the First Step?
Talk to a Texas loan officer who knows the programs and can give you a real answer about where you stand — at no cost and no obligation.