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Houston · Mortgage & Home Loans

Mortgage & Home Loans in Houston, Texas

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

Houston is one of America's most affordable major metros with median home prices around $300,000. VA, FHA, and conventional loans all serve Houston well—and many suburban communities in Fort Bend, Montgomery, and Waller Counties are USDA-eligible for zero-down financing.

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Loan Programs in Houston

🎖️
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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Houston 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 — Houston

Click any city for a personalized mortgage payment estimate

Houston→Sugar Land→Pearland→Katy→The Woodlands→League City→Baytown→Missouri City→Friendswood→Conroe→Spring→Humble→Pasadena→

Compare Loan Types in Houston

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.

Houston Mortgage FAQs

What mortgage programs are available for Houston homebuyers?
Houston buyers benefit from FHA loans (3.5% down, 580+ FICO—very popular given Houston's diverse buyer pool), VA loans for the Houston-area military community (Ellington Field, Joint Reserve Base), conventional loans for strong-credit buyers, and USDA loans for eligible outer-ring communities. The Harris County Housing Finance Corporation (HCHFC) also offers bond programs and down payment assistance for qualifying buyers.
Can I use a USDA loan in the Houston area?
USDA loans require USDA-designated rural areas. Central Houston (Harris County) generally does not qualify. However, communities in Montgomery County (Conroe, Spring outer areas), Fort Bend County outskirts, Waller County, and Liberty County may have USDA-eligible zones. Use the USDA Property Eligibility map at eligibility.sc.egov.usda.gov to check specific addresses—eligibility varies block by block in suburban Houston.
How much does it cost to buy a home in Houston, TX?
Houston has some of the best affordability among major US metros. Median prices: Houston proper ~$300,000, Sugar Land ~$430,000, Katy ~$360,000, The Woodlands ~$480,000, Pearland ~$320,000. To afford a $300,000 home with 10% down at 7%, you need approximately $70,000–$75,000 gross annual income. Houston's diverse economy—energy, healthcare, aerospace, port—supports buyers across income levels.
Are there down payment assistance programs in Harris County?
Yes—Harris County and Houston offer several programs: Harris County Housing Finance Corporation (HCHFC) bond mortgages with below-market rates, City of Houston's homebuyer assistance programs, TDHCA's statewide My First Texas Home (up to 5% DPA), and various nonprofit programs like Avenue CDC and Neighborhood Recovery CDC. Many programs are forgiven after 5–10 years of owner-occupancy.
Is an FHA loan a good choice for buying in Houston?
FHA loans are very popular in Houston due to flexible qualification (580 FICO, 3.5% down) and Houston's affordable price range. The 2024 FHA loan limit in Harris County is $498,257—covering the vast majority of Houston homes. FHA requires mortgage insurance premium (MIP): 1.75% upfront + 0.55–0.85% annual. For buyers with less-than-perfect credit or limited down payment, FHA is often the most practical path to Houston homeownership.

We'll connect you with a licensed Texas mortgage professional who specializes in Houston 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 Houston. 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.