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Austin · Mortgage & Home Loans

Mortgage & Home Loans in Austin, Texas

VA, FHA, USDA, Conventional and more — get connected with a Texas real estate expert

Austin's booming tech economy drives home prices that often require jumbo financing. With median prices above $550,000 in many Travis County neighborhoods, understanding loan limits, down payment requirements, and qualifying income is essential before you start your Austin home search.

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Loan Programs in Austin

🎖️
VA Home Loans
0% down for military & veterans
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🏠
FHA Home Loans
3.5% down, flexible credit
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🌾
USDA Loans
0% down in eligible rural areas
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🔑
First Time Buyer
Down payment assistance programs
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🔄
Refinance
Lower your rate or cash out equity
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💰
Home Equity
Tap equity — Texas 80% rule applies
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Austin Mortgage Calculator

Mortgage Payment Calculator
Estimate your monthly payment — adjust any field instantly
Home Price$350,000
$100k$1.5M
Down Payment (10%)$35,000
0%50%
Interest Rate7.00%
3.00%12.00%
Loan Term
Estimated Monthly Payment
$2,723
taxes & insurance included
Principal & Interest$2,096
Property Tax (est. 1.8%)$525
Home Insurance (est.)$102
Total Interest (30 yr)$439,453
Total Loan Cost (30 yr)$754,453
Loan amount: $315,000  ·  Down: $35,000
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Estimates only. Actual rates, taxes, and payments vary. Not a loan commitment or mortgage solicitation. Contact a licensed Texas mortgage professional for accurate figures.

Mortgage Calculator by City — Austin

Click any city for a personalized mortgage payment estimate

Austin→Round Rock→Cedar Park→Georgetown→Pflugerville→Kyle→Buda→Leander→San Marcos→Hutto→Manor→

Compare Loan Types in Austin

Loan TypeMin DownMin CreditIncome LimitPMI / FeesBest For
VA0%580+NoneNoneMilitary & veterans
FHA3.5%580+NoneRequired (MIP)First-time / lower credit
USDA0%640+~$112k/yrNone (0.35% fee)Rural eligible areas
Conventional3–20%620+NoneIf <20% downStrong credit buyers
Jumbo10–20%720+VariesNot availableHomes above $766,550

* Guidelines may vary by lender. Credit score, income, and property requirements apply. Not a mortgage commitment. For educational purposes only.

Austin Mortgage FAQs

Do I need a jumbo loan to buy in Austin, TX?
It depends on your target neighborhood. The 2024 conforming loan limit in Travis County is $766,550. Many central Austin, Westlake, and lakefront properties exceed this, requiring jumbo financing. However, suburbs like Kyle ($340k median), Buda ($360k), Pflugerville ($380k), and Manor offer homes well within conventional limits. Jumbo loans in Austin typically require 10–20% down and a 720+ credit score.
What is the conforming loan limit in Travis County (Austin)?
The 2024 FHFA conforming loan limit for Travis County is $766,550 for a single-family home. Loans above this require jumbo financing with stricter qualification. For reference: a $900,000 Austin home with 20% down requires an $720,000 mortgage—well above the conforming limit. Austin's outer suburbs (Williamson, Hays, and Bastrop Counties) share the same $766,550 limit in 2024.
How can I afford a home in Austin given the high prices?
Austin affordability strategies: (1) Target suburbs—Round Rock, Cedar Park, Georgetown, Kyle, and Buda offer 20–40% lower prices than central Austin. (2) Use down payment assistance—TDHCA's My First Texas Home offers up to 5% DPA. (3) Consider ARM loans for short-term ownership. (4) Target new construction in outer suburbs where builders offer rate buydowns. (5) Look at manufactured home communities and condos as entry-point options.
Are there first-time homebuyer programs in the Austin area?
Yes—Austin and Travis County offer several programs: Austin Housing Finance Corporation (AHFC) programs with low-interest loans, Williamson County's homebuyer assistance programs, TDHCA statewide programs (My First Texas Home, Texas Mortgage Credit Certificate), and federal programs (FHA, Fannie Mae HomeReady, Freddie Mac Home Possible). Income limits apply, but many tech-sector buyers in Austin's outer suburbs qualify.
Is Austin's housing market still competitive for buyers?
Austin's market has cooled from its 2021–2022 peak but remains competitive in desirable areas. Median prices softened 10–15% from highs but remain elevated. Buyers in 2024 have more negotiating leverage than 2022, longer inspection periods, and more inventory. Pre-approval is still essential. Rate buydowns and seller concessions are increasingly common in Austin—something to negotiate with your agent.

We'll connect you with a licensed Texas mortgage professional who specializes in Austin home loans. Free consultation, no obligation.

Claudio C. Carrizal, REALTOR®
TX License #0605215 · Relive Realty LLC

Free Mortgage Consultation — No Obligation

Claudio C. Carrizal is a licensed Texas REALTOR® with Relive Realty LLC serving all of Austin. Whether you're a first-time buyer, looking to refinance, or exploring VA loan benefits, Claudio connects you with the right resources at no cost to you.

CCCRES.COM is a licensed real estate brokerage. Mortgage consultations are provided through licensed third-party mortgage professionals. Claudio C. Carrizal License #0605215 | Relive Realty LLC. This is not a commitment to lend. All loans subject to credit approval.