First time buyers
Your first home in Houston, step by step
What you can afford, the programs that might help, the words you will hear and every step from preapproval to keys. No question is too basic.
Know your number
Your full monthly payment with taxes, insurance and any MUD or HOA.
Get preapproved
A letter that makes sellers take your offer seriously.
Tour with a plan
A short list that fits your budget, commute and schools.
Offer and close
Inspection, repairs, appraisal and the closing table, with updates every step.
First time buyer questions
How much do I need to buy my first home in Houston?
It depends on the loan. FHA can start at 3.5 percent down, some conventional loans at 3 percent, and VA loans can mean no down payment for qualifying borrowers. You also need money for the option fee, earnest money, inspection and closing costs, and some of that can be negotiated from the seller.
Are there first time buyer programs in Houston?
Yes. The City of Houston, Harris County and the state of Texas have run down payment help programs, and rules and funding change often. We check what is open for you with your lender on the first call.
What credit score do I need?
Many lenders look for 580 to 620 or higher depending on the loan. If you are not there yet, our credit partner can help you build a plan.
Talk to Broaderick
Book a free 30 minute call
Pick a time that works. You will leave the call with a clear next step, whether that is preapproval, a short list of homes, or a pricing plan for your house.
- Your budget and full monthly payment, including taxes, MUD and insurance
- Which loan fits: VA, FHA, conventional or new build incentives
- The neighborhoods that match your commute and schools
- The simple written buyer agreement required before touring, in plain English
Prefer to talk now? Call or text (409) 419 4886.
Ready when you are.
Search homes, get your home value, or grab 30 minutes with Broaderick. No pressure, just a plan.