What credit score do first-time home buyers need in Texas?
There is no special first-time-buyer score requirement. The same loan minimums apply, roughly 500 to 620 depending on the program. Many first-time buyers use FHA loans (580 and up) or Texas down payment assistance programs (about 620).
First-time buyers in Texas often pair an FHA or conventional loan with assistance from TDHCA or TSAHC, which can help with the down payment and closing costs. Those programs carry their own income limits and homebuyer-education requirements, so eligibility depends on more than the score alone.
This answer is part of our guide What Credit Score Do You Need to Buy a House in Texas?, which covers loan minimums, Houston down payment assistance, and how to improve your score before applying.
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Educational content only; not financial, legal, or tax advice, a commitment to lend, or an offer of credit. Program requirements vary by lender and change over time; eligibility depends on your full financial profile. Warens Financial Group, NMLS #2532048. Franklin Warens, Mortgage Broker, NMLS #1249423. Equal Housing Opportunity.
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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.