All-in cost first, always. Estimate only — not a loan quote or pre-approval.
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How much house can I afford in Texas? →Texas Department of Housing and Community Affairs program offering a below-market 30-year fixed-rate mortgage plus up to 5% down payment/closing cost assistance as a 0%-interest deferred second lien (repaid at sale, refinance, or payoff) for first-time homebuyers and veterans.
Texas State Affordable Housing Corporation program for teachers, firefighters, police/correctional officers, EMS personnel, and veterans: 30-year fixed mortgage plus down payment assistance and Mortgage Credit Certificates.
Texas State Affordable Housing Corporation program for low- and moderate-income Texas homebuyers generally: 30-year fixed mortgage plus down payment assistance and Mortgage Credit Certificates.
TDHCA program providing a federal tax credit equal to 15% of annual mortgage interest paid (roughly $2,000/year in savings) for eligible first-time homebuyers, usable alongside a first mortgage.
Texas is constitutionally barred from charging a real estate transfer tax, which is one big reason closing on a $345,000 Texas home can start near $3,450.
Private mortgage insurance explained in plain English — what it costs, why it exists, the exact federal rules for cancelling it, and how to work out the month your PMI is scheduled to end.
The operational guide to buying property with a partner, friend, sibling, or parent — credit and DTI mechanics, title vesting, a clause-by-clause co-ownership agreement, and how the exit actually works.
A month-by-month plan for the year before you buy: what to do in each phase, what never to touch, how to document every dollar, and how to survive closing day.