FHA Loan for First-Time Buyers
in Travis County, Texas
A government-backed path for buyers building credit or savings. Real numbers for Austin-Round Rock MSA buyers in 2026.
No credit check · Takes 3 minutes · 100% free
What is a FHA Loan?
FHA loans are insured by the Federal Housing Administration, making lenders willing to accept lower credit scores and smaller down payments. The tradeoff: you pay an upfront MIP (1.75%) plus annual mortgage insurance for the life of the loan.
Who Qualifies for a FHA in Travis County?
- ✓Credit score of 580+ for 3.5% down; 500–579 for 10% down
- ✓Down payment of at least 3.5%
- ✓Debt-to-income ratio under 50% (with compensating factors)
- ✓Property must be your primary residence
- ✓Property must meet FHA appraisal standards
Pros & Cons
Real Example: FHA Buyer in Travis County
Here's what the numbers look like for a typical first-time buyer using a FHA Loan in Travis County today.
Principal + interest + property tax (1.8%) + insurance (0.5%) at 6.75% rate
Frequently Asked Questions
What credit score do I need for a FHA Loan in Travis County?
The minimum credit score for a FHA Loan is 580. In Travis County, most lenders prefer 600+ for the smoothest approval and best interest rates. Scores below 580 will need work before applying.
How much down payment do I need for a FHA Loan in Travis County?
FHA Loans require a minimum of 3.5% down. On the median $545,000 home in Travis County, that's $19,075 to get started.
What is the estimated monthly payment for a FHA Loan in Travis County?
On the median $545,000 home in Travis County, the estimated all-in monthly payment is approximately $4,456. This includes principal and interest (at 6.75%), property taxes (~1.8%), and homeowner's insurance (~0.5%). Your actual payment will vary based on your loan amount, rate, and specific property.
Is FHA Loan the right choice for me in Travis County?
Buyers with credit scores 580–679 or limited down payment savings looking to buy a primary residence. Travis County has a median home price of $545,000, which is within typical FHA Loan limits. Use the First Home AI readiness tool to compare all available paths and see which makes the most financial sense for your profile.
What DPA programs work with FHA Loan in Travis County?
TSAHC Home Sweet Texas, TDHCA My First Texas Home, TDHCA My Choice Texas Home, City of Austin DPA are relevant programs to check in Travis County. Statewide paths include TSAHC Home Sweet Texas, TSAHC Homes for Texas Heroes, TDHCA My First Texas Home, and TDHCA My Choice Texas Home. Some DPA programs may pair with a FHA Loan; check eligibility with a participating lender. Income and purchase-price data was last reviewed June 2026.
Program source check: First Home AI last reviewed Texas program source data in June 2026. Final eligibility and currently available assistance are set by the program administrator and lender.
FHA in Nearby Counties
Do you qualify for a FHA in Travis County?
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