Why Houston is Perfect for First-Time Buyers
Houston is one of America's most affordable major metros. Your dollar stretches further here than in almost any other large city. The energy, healthcare, and aerospace industries provide stable employment, and the city's diversity means neighborhoods for every lifestyle and budget.
Down Payment Assistance Programs
TSAHC - Texas State Affordable Housing Corporation
Up to 5% down payment assistance for first-time buyers. Houston's income limits are among the most generous in Texas.
Houston Housing Authority - Homeownership Program
Assistance for qualified buyers including housing counseling and down payment help. Priority for Houston residents.
Harris County Community Services
Down payment and closing cost assistance for buyers purchasing in Harris County. Income requirements apply.
My First Texas Home (TDHCA)
30-year fixed-rate mortgages with down payment assistance up to 5%. Available statewide including Houston.
Affordable Houston Neighborhoods for First-Time Buyers
Spring / Klein
North Houston suburbs with excellent Klein ISD schools. New construction and established homes at accessible prices. Explore Houston areas
Pearland
South of downtown with growing amenities and good school options. Popular with young families for value and community feel.
Katy
West Houston with highly-rated Katy ISD schools. Master-planned communities offer new construction with builder incentives.
Sugar Land
Fort Bend County suburb with excellent schools and diverse community. Townhomes and starter homes available.
First-Time Buyer Tips for Houston
- Check flood zones: Houston floods. Verify flood zone status and factor in flood insurance costs.
- Consider the commute: Houston is spread out. Traffic can add significant time to your commute.
- Research MUD taxes: Many suburbs have Municipal Utility District taxes on top of property taxes.
- Look at new construction: Builders offer incentives like closing cost credits and rate buydowns.
- Get pre-approved first: Have your financing ready before you start shopping.
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