# How Much Do You Need for a Down Payment on a House in Houston?

By Agustin Canales (@agustincanales) · Published 2026-11-07

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Short answer: most Houston buyers need far less than 20% down. Depending on the loan, the minimum is usually between 0% and 5% of the price.

Minimum down payment by loan type

FHA loans: 3.5% down with a qualifying credit score. Popular with first-time buyers.

Conventional loans: as low as 3% down for eligible buyers (often first-time buyers). 5% is common.

VA loans: 0% down for eligible veterans and service members.

Putting down less than 20% on a conventional loan usually means paying mortgage insurance. That isn't a deal-breaker: for many buyers, owning sooner beats waiting years to save 20%.

Down payment isn't the only cash you need

Plan for closing costs too (lender fees, title, prepaid taxes and insurance). In Texas, the seller can often pay some or all of them, within each loan program's limits.

Where the money can come from

Your savings or checking.

A gift from a family member, with a signed gift letter.

Down payment assistance programs, depending on your income and the area.

The fastest way to know your number

Every situation is different. A 15-minute conversation and a pre-approval tell you exactly what you'd need for the home you want, before you fall in love with one. Call or text me at (832) 531-4192. English o español.

Originally published at agustincanales.com/blog/down-payment-houston/

Agustin Canales, Senior Mortgage Loan Officer, NMLS #1484335. First Community Credit Union NMLS #217251. Equal Housing Opportunity. All loans subject to credit approval; program availability, terms and limits apply. This article is educational and not an offer or commitment to lend.