What is the lowest down payment to buy a house in Houston?
Written by the Warens Financial Group education team · Reviewed by Franklin Warens, Mortgage Broker, NMLS #1249423
VA and USDA loans can allow 0% down for eligible buyers. Among loans generally available to any qualified Houston buyer, FHA allows 3.5% down with a credit score of 580 or higher, and some conventional programs allow as little as 3%.
VA eligibility depends on qualifying military service, and USDA depends on the property's location and household income, so neither fits every buyer. Warens Financial Group does not currently offer USDA loans; ask a licensed loan officer which 0%-down or low-down-payment program actually fits your file.
This answer is part of our guide How Much Down Payment Do You Need to Buy a House in Houston?.
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More questions
- How much is a 3.5% down payment on a typical Houston home?
- Is the down payment the only cash you need at closing in Houston?
- Does putting more down on an FHA loan shorten the mortgage insurance?
- Can you use gift funds toward your down payment in Houston?
- Does a more expensive Houston home need a bigger down payment?
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.