Texas Homebuyer Guides
Free, Texas-specific education for first-time buyers. No fluff — just the real numbers, programs, and decisions that matter in this market.
Showing 1-10 of 16 guides
July 8, 2026
Texas Home Inspection Repairs: What First-Time Buyers Should Budget Before They Negotiate
A Texas inspection report can change your cash plan fast. Learn how to separate safety repairs, lender-required repairs, seller credits, and walk-away decisions before your option period ends.
July 1, 2026
Texas Appraisal Gap Guide for First-Time Buyers
What happens when a Texas home appraises below the contract price? Learn the lender math, TREC appraisal protections, and offer questions first-time buyers should ask before covering a gap.
June 24, 2026
Texas New Construction Escrow Reset: What First-Time Buyers Need to Check Before Closing
A Texas new-build payment can jump after closing when the appraisal district adds the completed home and your servicer reruns escrow. Learn the year-two tax and escrow checks before you sign.
June 17, 2026
Texas HOA and Condo Fees: What First-Time Buyers Need to Check Before Closing
HOA dues, condo project reviews, resale certificates, transfer fees, and special assessments can change both your Texas monthly payment and loan approval. Here's what to verify before you write the offer.
June 10, 2026
Texas Homeowners Insurance: What First-Time Buyers Need to Check Before Closing
Texas insurance can change your real monthly payment fast. Learn how homeowners, windstorm, hail, flood, deductibles, and escrow work before you rely on a mortgage estimate.
June 4, 2026
Texas Seller Concessions: How First-Time Buyers Can Reduce Cash to Close
Seller credits can help Texas first-time buyers cover closing costs, prepaids, title charges, and rate buydowns. Learn the FHA, conventional, VA, and USDA limits before you write the offer.
June 3, 2026
Texas Earnest Money and Option Period: What First-Time Buyers Need to Budget Before an Offer
Texas buyers can qualify for DPA and still need cash before closing. Learn how earnest money, the option fee, inspections, seller credits, and cash to close fit together before you write an offer.
May 20, 2026
Texas DPA Income Limits: What First-Time Buyers Need to Check Before They Apply
Texas down payment assistance can be the difference between waiting and buying, but income limits are county-specific and program-specific. Learn how TSAHC and TDHCA limits work before you rely on grant money.
May 18, 2026
MUD and PID Taxes in Texas: What First-Time Buyers Need to Check Before Closing
Texas new-build and suburban homes can look affordable until MUD or PID costs hit the monthly payment. Learn what these districts are, where they show up, and how to check the real number before you sign.
May 6, 2026
How to Buy a Home in Texas Without Rich Parents
No family money, no co-signer, no inherited down payment — you can still buy a home in Texas. Here's the honest roadmap for first-gen homebuyers using real programs that exist right now.
Explore by Texas County
Income limits, purchase price caps, and DPA programs vary county by county. Select your area for the exact numbers that apply to you.
Austin-Round Rock MSA
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Houston-The Woodlands-Sugar Land MSA
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Dallas-Fort Worth-Arlington MSA
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Dallas-Fort Worth-Arlington MSA
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San Antonio-New Braunfels MSA
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Dallas-Fort Worth-Arlington MSA
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Dallas-Fort Worth-Arlington MSA
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Houston-The Woodlands-Sugar Land MSA
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Austin-Round Rock MSA
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San Antonio-New Braunfels MSA
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Austin-Round Rock MSA
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Johnson City / Hill Country
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★ Featured area — expanded program support available through our lending partners
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