How Much Money Do You Need to Buy a House in Texas?

The down payment is the part of the price you pay up front instead of financing. Total cash needed also includes closing costs, upfront items like insurance and property tax deposits, and other expenses that come with buying a home.

Costs vary by home, price, and transaction, but buyers commonly pay for some of the following:

• Earnest money when your offer is accepted (usually credited toward your purchase at closing)
• Home inspection
• Appraisal and title-related fees
• Homeowners insurance and property tax amounts collected at closing
• HOA transfer fees, if the home is in an HOA
• Moving and setup costs

Your credit, how you document income, the home's price, and the property itself can all change the down payment and costs a program requires. Higher-priced homes may need a larger down payment.

Each program sets its own down payment and requirements. Comparing them on the total cash needed, not just the advertised down payment, gives you a truer picture.

Every home on our site shows an estimated monthly payment with a down payment slider, including property taxes, an insurance estimate, and HOA dues when listed. Browse homes to see estimates, and ask our team for a closing cost estimate on a home you're serious about.

Start with what you'd need for your situation. Our quick survey shows the down payment for your answers and price range without pulling your credit. Gift funds from family can count toward the down payment.

For eligible buyers, our seller financing program's down payments start at 10%, depending on your credit, how you document income, and the home's price. See the full requirements and how buying works, then check your options.

All financing is subject to qualification, underwriting, property eligibility, and approval. Estimates are not a commitment to lend.