Texas Mortgage Lending, powered by CUTX

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.

Buy a Texas Home with No Down Payment

Explore a zero down payment mortgage for Texas buyers who don't want to wait to save a traditional down payment.

Talk With a Mortgage Specialist

Keep More Cash Available Up Front

A zero down payment mortgage may keep more cash available for closing costs and other homebuying priorities.

See If This Mortgage Fits

A Strong Option for Many First-Time Buyers

Many first-time and repeat buyers consider this mortgage type for a lower upfront path to homeownership.

Get Started!

¹NMLS #576560 Credit Union of Texas provides mortgage loans through its affiliate Texas Mortgage Lending, LLC, NMLS #1641703. CUTX home loan programs are only available in Texas. Loans are subject to credit approval, CUTX’s lending policies, and property approval. Traditional closing costs apply. Additional terms and conditions may apply. Prequalification is not a commitment to lend. Membership required.