What Every First-Time Homebuyer in Texas Should Know

Buying your first home is exciting—but if you're not prepared, it can feel like you're stepping into a whole new world of terms, paperwork, and big decisions. If you're a first-time homebuyer in Texas, there are some unique things you need to know to make the process smoother and more successful. Whether you're relocating to San Antonio, transitioning from renting, or using a VA loan as a military family, this guide is for you.

🏡 1. Texas is a Buyer-Friendly State

Texas offers many protections and perks for homebuyers. It’s one of the few states with no state income tax, and many areas (like San Antonio) offer affordable housing compared to national averages.

📍 Local Tip: San Antonio is especially attractive for first-time buyers due to its strong job market, military presence, and family-friendly communities.

💰 2. You Might Not Need a Huge Down Payment

Many buyers assume they need 20% down—but that’s not always true.

• VA loans offer zero down with no private mortgage insurance (PMI) for eligible military buyers.
• FHA loans require as little as 3.5% down.
• First-time buyer assistance programs can help cover closing costs and down payments.

🔎 Look into: Texas State Affordable Housing Corporation (TSAHC) and My First Texas Home program.

📋 3. Property Taxes Are Higher Than the National Average

While there’s no state income tax, Texas property taxes can be high. It’s important to factor this into your monthly mortgage payment. Rates vary by county and school district.

💡 Pro Tip: After closing, apply for a homestead exemption to reduce your taxable home value and save money each year.

🏠 4. The Market Moves Fast—But Stay Grounded

Texas real estate is competitive in many cities. Homes can go under contract quickly, but don’t let the pressure push you into a decision you’re not ready for.

✅ Have your pre-approval ready, but also have your “must-haves” list to guide your choices.

🛠️ 5. Inspections Are Crucial in Texas

From foundation issues in clay soil areas to weather-related wear and tear, Texas homes can have hidden problems. A licensed inspector can save you from expensive surprises down the road.

⚠️ Never waive your inspection contingency—even in a hot market.

🔐 6. Title Insurance is Standard Practice

In Texas, the seller usually pays for the buyer’s title insurance, which protects you against past ownership disputes or unpaid liens.

📝 You’ll get a title commitment early in the process—review it carefully with your agent.

🧭 7. Choose the Right Neighborhood for Your Lifestyle

Texas is BIG. Whether you're looking in suburban communities like New Braunfels, Boerne, or neighborhoods within San Antonio, your lifestyle should guide your choice.

Consider:

• Commute times
• School districts
• Amenities and walkability
• Community vibe

👨‍👩‍👧 For military families PCSing, proximity to bases like Fort Sam Houston or Randolph AFB is key.

🤝 8. Your Realtor Makes All the Difference

Navigating the homebuying process alone is tough—especially in Texas, where each region has its own quirks. A local agent with experience helping first-time buyers and military families can simplify everything.

📲 I specialize in guiding first-time homebuyers through every step—let’s make this journey smooth and successful together.

Final Thoughts:

Buying your first home in Texas is a big milestone—and with the right knowledge and support, it can be one of the most rewarding experiences of your life. From understanding VA loans to navigating down payment programs and choosing the right neighborhood, you’re not just buying a home—you’re investing in your future.

💬 Have questions about buying your first home in Texas? Let’s chat—I’m here to help you every step of the way.