The free checklist Houston first-time buyers use to prepare for their mortgage.
You know you want to buy a home. You have heard it is a good investment. But every time you try to figure out the next step, you run into conflicting advice about credit scores, down payments, and how much house you can actually afford.
Some people tell you that you need 20% down. Others say 3%. Your coworker got an FHA loan. Your friend used a VA loan. Someone mentioned down payment assistance but could not explain how it works.
The truth is, the process is straightforward once you know what lenders actually look for. This checklist gives you every step in order so you can stop guessing and start preparing.
This free checklist walks you through every step from "thinking about buying" to "ready to make an offer":
Most first-time buyers are closer to ready than they think. The checklist shows you exactly where you stand.
It depends on your loan type. FHA can go up to 96.5% loan to value with a credit score of 580 or more. Some conventional loans go up to 97% loan to value. VA has its own down payment rules for eligible veterans. Down payment help programs may cover part of your costs. Ask Brandon which programs are open now.
FHA loans accept credit scores as low as 580 with 3.5% down. Conventional loans typically require 620 or higher. A higher credit score gets you a better interest rate, but you do not need perfect credit to buy a home.
From accepted offer to closing day, the process typically takes 30 to 45 days. Getting pre-approved takes 1 to 3 days. House hunting varies, but most buyers find a home within 2 to 3 months of starting their search.
Closing costs include lender fees, title insurance, appraisal, and prepaid taxes and insurance. In Houston, closing costs typically run 2% to 5% of the purchase price. On a $300,000 home, budget $6,000 to $15,000. Some of these costs can be negotiated with the seller.
Houston buyers can ask about city, county, and state down payment help. As of October 21, 2026, the City of Houston program is not taking new applications. The Harris County program is full except for some disaster buyers. TDHCA and TSAHC offer statewide help.
FHA can go up to 96.5% loan to value with a 580 credit score. Down payment help may lower the cash you bring to closing.
You have the checklist. Now take the next step and talk to a lender who works with first-time buyers every day. Visit the first-time homebuyer Houston page for DPA programs, loan options, and more.
Call Brandon directly at 832-997-1527
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