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Low Down Payment FHA Loans in Texas
An accessible path to homeownership. Making it easy for Texas families to qualify for an FHA loan with credit scores starting at 580.
What to expect
FHA loans are insured by the Federal Housing Administration and built for buyers who need more flexibility than conventional financing allows. With lenient credit guidelines, a low 3.5% minimum down payment, and the ability to use gift funds, FHA loans open the door for many first-time Texas buyers and growing families. Our team will walk you through qualifying ratios, mortgage insurance, and county loan limits across Texas.
Program Highlights
- Down payments as low as 3.5%
- Credit scores starting at 580
- Gift funds allowed for down payment and closing costs
- Great fit for first-time Texas homebuyers