First-Time Home Buyer Guide
Everything you need to know about buying your first home in San Antonio and across Texas. Loan options, grants, the buying process, and expert guidance to make homeownership a reality.
Get Pre-Approved Today →Loan Programs for First-Time Buyers
VA Loans
Zero down payment for eligible veterans. No PMI, competitive rates, and the best first-time buyer benefit available to those who've served.
FHA Loans
3.5% down payment with flexible credit guidelines. The most popular first-time buyer loan for non-veterans.
USDA Loans
Zero down in eligible rural and suburban areas. Great option for buyers outside of major urban centers in Texas.
Down Payment Assistance
Grants and second-lien programs to cover your down payment and closing costs. Can be stacked with FHA, VA, or conventional loans.
Steps to Buying Your First Home
- Review your credit score and address any issues
- Determine your budget and target down payment amount
- Get pre-approved for a mortgage
- Research neighborhoods and home prices in your target area
- Work with a buyer's agent to find and make offers on homes
- Complete the home inspection and appraisal process
- Finalize your loan and close on your new home