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Zero Down Payment Texas Mortgage

Explore a Texas mortgage with no down payment required for eligible homebuyers who want to move toward homeownership without waiting to save for a down payment.

This program may be a strong fit for many first-time buyers and other qualified Texas homebuyers purchasing a primary residence.
Get prequalified¹ today!

Texas Zero Down Payment Mortgage Requirements

A Texas mortgage with zero down payment may help eligible buyers purchase a primary residence without a down payment. Qualification details may include a minimum credit score of 700, eligible owner-occupied property types, and standard closing costs. Explore the details below to see how this no down payment home loan may fit your goals.

When a Zero Down Payment Mortgage May Make Sense

A zero down payment mortgage may be worth considering when you want to buy a home sooner while keeping more cash available up front. This type of home loan can be especially relevant for many first-time buyers, while still being available to other qualified buyers as well.

You want to buy without waiting to save a down payment
A no down payment mortgage can reduce one of the biggest upfront barriers to buying a home.
You want to preserve cash for other homebuying expenses
Keeping your down payment at zero may leave more of your available cash for closing costs and other important moving-related needs.
You are a first-time buyer looking for a lower upfront entry point
This program may be a practical starting point for many first-time homebuyers who want a more accessible path into homeownership.
You are buying a home you plan to live in
This mortgage is designed around owner-occupied home purchases rather than broader property-use scenarios.