First-Time Home Buyer in Texas: A Step-by-Step Guide

Buying your first home in Texas is a series of clear steps. Here is the whole path, in order, so nothing catches you by surprise.

1. Get pre-approved

Talk to a lender first. Pre-approval tells you your budget and makes your offer credible to sellers.

2. Sign a buyer representation agreement

Buyers now formalize representation up front. Your agent works for you — negotiating price, terms, and repairs.

3. Search live MLS listings

Browse current homes and tour the ones that fit your budget and your commute.

4. Make an offer

Your offer includes an option fee (your paid right to inspect and back out) and earnest money (held in good faith toward the purchase).

5. Use your option period

This is your window to inspect the home and renegotiate repairs or price — or walk away, losing only the option fee.

6. Appraisal and underwriting

Your lender confirms the value and finalizes the loan.

7. Close

You sign at the title company, get your keys, and the home is yours.

First-time buyers in Texas may also qualify for down-payment assistance through state and local housing agencies — ask your agent and lender which programs fit your situation. Want homes matching your budget sent to you as they hit the market? Tell us what you are looking for below.

Sources

• https://www.tdhca.texas.gov/homebuyer-down-payment-assistance

This article was drafted with AI assistance and reviewed by RealVisor Realty before publishing.