Today we’re going to answer the question, “What does it cost to buy a house in Texas?” First, let’s start with the cost of your Realtor—actually, nevermind. There is no cost! You don’t pay your buyer’s agent anything to represent you; the seller does. Nobody told me this when I bought my first home, so I wanted to let you know before you bought yours.

“In certain parts of the city, all of the homes qualify for USDA loans.”

The big thing you’ll need is money for closing costs. Your lender will want a year’s worth of taxes and insurance up front in case something happens. 

Next is your down payment. If you’re in the military or are a veteran, there’s a VA loan that can get you a home with 0% down. There are certain areas of the country where any homebuyer can get a USDA loan with 0% down as well. In certain parts of the city, all of the homes qualify for USDA loans. If neither of those options work, you can get an FHA or conventional loan for 3.5% down.

If you have any questions about how much a home costs in Texas or anything else related to real estate, don’t hesitate to reach out via phone or email. We look forward to hearing from you.