Who Pays Closing Costs in Texas? A Buyer and Seller Breakdown
Who pays what at a Texas closing: the customary buyer and seller split, concession caps by loan type, and the math on a price cut versus a seller credit.
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How Much Down Payment Do You Really Need in Texas in 2026?
Minimum down payments in Texas run 0% to 3.5%, not 20%. Real dollar figures at Texas price points, where the money can come from, and when more helps.
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HomeReady and Home Possible: Conventional 3% Down in Texas
HomeReady and Home Possible let income-eligible Texas buyers put 3 percent down on a conventional loan with cheaper mortgage insurance. Here is who qualifies.
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Gift Funds for a Texas Mortgage: Rules by Loan Type
Gift funds can cover your whole down payment on most Texas loans. The donor, letter, and transfer rules for Conventional, FHA, and VA, explained simply.
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DTI in Texas: How Lenders Actually Calculate What You Can Borrow
Which debts count toward your DTI in Texas, how lenders run the math, the 2026 limits by loan program, and practical ways to lower your ratio before you apply.
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TSAHC Home Sweet Texas: How the Statewide DPA Program Works
How the TSAHC Home Sweet Texas Home Loan Program works statewide: DPA amounts, income limits, and how it pairs with FHA and conventional first mortgages.
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Assets vs Income in a Texas Mortgage Approval: What Underwriters Want
Underwriters weigh your assets and income as two separate questions. Here is what a Texas underwriter looks for in each, and how to document your money to close.
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Buying a Home With Student Loans in Texas: How Lenders Count Them
Student loans rarely block a Texas mortgage. What matters is how Conventional, FHA, and VA loans count your payment. Here is how each program treats the debt.
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Buying a Texas Home With a Non-Occupant Co-Borrower: How It Works
A non-occupant co-borrower can help you qualify for a Texas home loan. See how it works on conventional, FHA, and VA loans, plus the risks to weigh.
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Buying New Construction in Texas: How Builder Incentives Really Work
Builder incentives in Texas can be generous, but they come with strings. See how rate buydowns, credits, and preferred lenders really work before you sign.
