Buying A House In Texas With No Down Payment May 2026

Buying a home in Texas with no down payment is achievable through several government-backed loans and state-specific assistance programs. While most traditional mortgages require at least 3% to 5% down , eligible Texans can reach a 0% down payment by using specialized loan types or "layering" standard loans with down payment assistance (DPA).

The most straightforward way to buy with zero down is through federal programs that do not require a down payment. United States Department of Veterans Affairs buying a house in texas with no down payment