FHA loans in Pasadena, TX
Buy in Pasadena with an FHA loan and a low down payment. Our Houston team compares your file across multiple lenders, checks which Texas program can help with the down payment, and pulls the full property tax on the address before you make an offer.
At a glance
Down payment help
Harris County's down payment program only covers unincorporated areas, so it does not apply inside Pasadena city limits, and the TDHCA $1,000 gift option excludes Pasadena. TDHCA's 5% programs and TSAHC still apply.
Statewide programs for every city here: TDHCA My First Texas Home and My Choice Texas Home (up to 5% of the loan) and TSAHC Home Sweet Texas (up to 5%). Income limits apply. Credit minimums sit around 620, though TSAHC asks for 640 on conventional loans and on FHA loans that need manual underwriting.
Questions buyers ask us
- Is Pasadena a good fit for a first-time FHA buyer?
- Often, yes. Many Pasadena homes sit well under the 2026 FHA limit, which keeps the 3.5% down path open. We compare FHA with a conventional loan on your numbers, because mortgage insurance works differently on each.
- How much do I need down for an FHA loan in Pasadena?
- With a 580 credit score or higher, FHA allows 3.5% down. Between 500 and 579, the program asks for 10%. Many lenders set their own minimum a little higher. The down payment can come from a family gift or an assistance program.
- What is the 2026 FHA loan limit in Pasadena?
- $541,287 for a one-unit home, per HUD. Above that, a conventional loan reaches $832,750 in 2026, and a jumbo loan covers more.
- Which Texas programs help with the down payment?
- TDHCA's My First Texas Home and My Choice Texas Home offer up to 5% of the loan, and TSAHC's Home Sweet Texas also offers up to 5%. Each has income limits. Credit minimums sit around 620, though TSAHC asks for 640 on conventional loans and on FHA loans that need manual underwriting. We check which one fits your file.
- Do you work in Spanish?
- Yes. The whole process can run in Spanish, from the first call to closing. Call 832-990-1966.
Other Houston area cities
- FHA Loans in Katy, TX
- FHA Loans in Sugar Land, TX
- FHA Loans in Pearland, TX
- FHA Loans in Cypress, TX
- FHA Loans in Spring, TX
Sources
- TSHA: Pasadena, TX
- Pasadena ISD
- TDHCA additional grant for down payment
- Harris County Down Payment Assistance
- HUD 2026 FHA loan limits
- FHFA 2026 conforming loan limits
- TDHCA homebuyer programs
- TSAHC Home Sweet Texas
- Texas Comptroller homestead exemptions
Educational content only; not a commitment to lend or an offer of credit. All loans subject to credit approval, income and asset verification, and property appraisal. Program availability and limits change; checked October 2026. Warens Financial Group, NMLS #2532048. Equal Housing Opportunity.
Reading is a start. Knowing where you stand is better.
Every situation is different. Our licensed Houston team can look at your credit, budget, and goals and tell you which programs may fit, en inglés o en español. Free, no obligation, and not a commitment to lend.