Loading page

FHA Loans Texas | 3.5% Down Options

FHA loans for Texas buyers: 3.5% down with 580+ credit, gift funds, mortgage insurance tradeoffs, and clear comparisons with conventional. NMLS #2252174.

FHA Loans Texas | 3.5% Down Options

FHA loans for Texas buyers: 3.5% down with 580+ credit, gift funds, mortgage insurance tradeoffs, and clear comparisons with conventional. NMLS #2252174.

A smaller down payment. A very real set of tradeoffs.

Does FHA match your shape?

The FHA cost garden.

FHA from file to front door.

FHA or conventional?

FHA questions, answered straight.

Let’s see whether FHA helps—or merely sounds easier.

Programs

FHA loans · Texas

FHA can open the door when credit is still growing or monthly debts are snug. Krissi prices the mortgage insurance, property rules, and Texas alternatives — not just celebrates 3.5% down.

Tap the signals that fit. This is a conversation starter, not a qualification result.

/ 6

Three numbers grow together: down payment, closing costs, and mortgage insurance.

Example figures are illustrative and for education — your numbers depend on price, program, county, and negotiation.

The familiar buying path, with two FHA-specific checkpoints.

The answer changes with score, debt ratio, price, and how long you expect to keep the loan.

Simplified for orientation — details like loan limits (we stay within conforming and FHA limits), DTI ceilings, and rates get worked through together.

Including the mortgage-insurance and appraisal parts the cheerful brochures skip.

We’ll compare FHA and conventional with the same home price and honest full-payment math.

Your Texas home loan specialist — VA, USDA, FHA, conventional, bank statement, and more. I’ll help you find the loan tailored to your needs.

Explore

Talk to us

Mon–Sat · 8a–6p CT

This is not a commitment to lend. Any rates, payment figures, or examples shown on this site are illustrative only and may not include Annual Percentage Rate (APR). Actual rates and APR vary based on credit, loan program, property, and other factors, and may change without notice. Contact us for a personalized quote.

go(path)} className= >
go(path)} className="rounded-2xl px-4 py-3 text-left text-base font-semibold text-[#3d312a] transition-colors hover:bg-[#f6efe3]">
go('/')} className="flex items-center gap-2.5 rounded-full" aria-label= >
Apply today
setMenuOpen(!menuOpen)} aria-expanded= aria-label= className="rounded-full p-2.5 text-[#3d312a] transition-colors hover:bg-[#f6efe3] md:hidden">
go('/contact')} className="bl-btn mt-4 w-full rounded-full bg-[var(--pc)] px-5 py-3 text-sm font-bold text-[#1a2f4a]">Turn it into a plan
toggle(i)} aria-pressed= className= >
go(r[5])} className="font-display text-base font-bold text-[#a05633] underline decoration-[#e2c6b2] decoration-2 underline-offset-4 hover:decoration-[#c46740]">
setOpenFaq(openFaq === i ? -1 : i)} aria-expanded= className="flex w-full items-center justify-between gap-4 px-6 py-5 text-left">
go('/conventional-loans')} className="bl-btn rounded-full border-2 border-[#fdf8f0] px-8 py-[14px] text-base font-bold text-[#fdf8f0] hover:bg-[#fdf8f0] hover:text-[#3d312a]">Compare conventional
go(l[0])} className="text-sm text-[#d8c9b6] transition-colors hover:text-[#fdf8f0]">
go(p.path)} className="text-left text-sm text-[#d8c9b6] transition-colors hover:text-[#fdf8f0]">