Credit Score to Buy a House in Texas: 2026 Requirements

What Credit Score Do You Need to Buy a House in Texas? Most Texas buyers need a 620 credit score for a conventional loan or 580 for an FHA loan with 3.5% down. FHA allows scores of 500 to 579 with 10% down, and most VA and USDA lenders look for 620 to 640. TL;DR: In Texas, the practical credit score

What Is the Home Buying Process Like in Greater Houston, TX?

What Is the Home Buying Process Like in Greater Houston, TX? Buying a home in Greater Houston, TX generally takes 30 to 45 days from accepted offer to closing and moves through eight steps: budget, pre-approval, representation, search, offer, option period, financing, and closing. TL;DR: The home bu

How Much Down Payment Do You Need to Buy a Home in Houston TX?

How Much Down Payment Do You Need to Buy a Home in Houston TX? Most Houston TX buyers need between 0% and 3.5% down, not 20%. On a median-priced $340,000 home, that is $0 with a VA or USDA loan, about $11,900 with FHA, or roughly $10,200 with a 3% conventional loan. TL;DR: Isaias Contreras, REALTOR®

What Are the Real Pros and Cons of Living in Richmond, TX?

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