Low Down Payment Financing


For when you don't have a lot of money to plunk-down on a home, or you just have better things to do with your cash.

Whether your funds are just a little tight or you simply have better things to do with your cash, more homebuyers are opting for lower down payment financing - especially in Texas. Our unique home equity laws can make it a bit of a challenge to access the equity in your home. Learn more about what we can offer below.

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FHA Click to open answer

It's one of the most utilized mortgage programs (and not just by first-time homebuyers). Here are some good reasons:

  • Only 3.5% down, and down payment can be a gift from a relative
  • Flexible guidelines to accommodate a variety of income and credit circumstances
  • Seller can pay up to 6% of the sales price towards your settlement charges

We also offer FHA New Construction Financing!


FHA Foreclosures Click to open answer

Did you know that HUD sells homes that it acquired as a result of foreclosure? And HUD sells these homes at attractive prices, and incredible terms. Just $100 down! Save your cash to add some personal touches to make it your home.

USDA Down Payment Click to open answer

With our USDA loans you have a $0 down payment. You heard correctly, zero down! And it doesn't end there, you can roll some of your closing costs into the the loan as well. It's one of the best kept secrets in the mortgage world. Designed by USDA to encourage homeownership in more rural areas and they make it worth your while to consider country living.

Find the USDA eligible area near you. Click Here for a map and drill down to your region.

VA Financing Click to open answer

Veterans, your country truly appreciates the commitment and sacrifices you have made while protecting your fellow Americans. And while your sacrifices can never truly be repaid, the Veteran's administration does offer benefits to say, "thanks for your commitment and service".

They're your benefits, you've certainly earned them! We'd lik to help you utilize them. We offer zero down payments, no monthly mortgage insurance, and flexible credit and income guidelines.

And now we offer 100% new construction financing! Build that home in the country that you've always dreamed about owning.