3 Ways to Buy a Home with Little to No Money Out of Pocket in Texas
Think You Need 20% Down? Think Again.
This is one of the biggest myths we hear all the time.
The truth is, there are multiple ways to buy a home with little to no money out of pocket, especially here in Texas.
Let’s break it down
1. Down Payment Assistance (DPA)
There are AMAZING programs available, like
TSAHC
TDHCA
Local city programs
These can help cover:
✅ Down payment
✅ Closing costs
Some are even forgivable over time.
2. VA Loans (For Our Military Families)
If you’re eligible for a VA loan:
👉 $0 down payment
👉 No PMI
👉 Competitive interest rates
This is hands down one of the best benefits available—and so many people don’t fully use it.
3. Seller Contributions
In the right situation, we can negotiate:
Seller pays part (or all) of your closing costs
This can significantly reduce what you bring to the table.
What We’re Seeing in San Antonio
Right now, we’re seeing more opportunities for:
Seller concessions
Creative financing
First-time buyer programs
This is NOT the same market as 2021… and that’s a good thing for buyers.
What You Should Do Next
Don’t assume you need tens of thousands saved.
Let’s build a strategy based on YOUR situation.
