First-time homebuyer programs in Brazos County, TX

First-time homebuyer programs in Brazos County, TX

Discover local programs designed to make homeownership in Brazos County easier for first-time buyers.

Buying your first home in Brazos County is a significant step, but it doesn’t have to be overwhelming. With the right support, programs, and guidance, turning your dream of homeownership into a reality can be easier than you think. From state-backed initiatives to local assistance options, there are plenty of opportunities to help you get the keys to your first home right here in the heart of Texas.

UNDERSTANDING FIRST-TIME HOMEBUYER ASSISTANCE

First-time homebuyer programs aim to make purchasing a home more accessible for those taking the first step into real estate. These initiatives help with down payments, closing costs, or lower interest rates, making it easier to qualify for a mortgage and afford your first property.

Federal, state, and local programs in Brazos County can lower financial barriers and make it easier for buyers to become homeowners. Here are some first-time homebuyer tips to prepare for your property search.

  • Check your credit score early. Lenders use this to determine eligibility and interest rates.
  • Get pre-approved. It provides you with a clear idea of what you can afford before you start home shopping.
  • Attend a homebuyer’s education course. Many programs require it, and it’s a great way to learn the ins and outs of financing.

Once you’ve laid the groundwork, it’s time to explore the top programs available to first-time buyers in Brazos County.

HOMEBUYER PROGRAMS AVAILABLE IN BRAZOS COUNTY, TX

  1. Texas State Affordable Housing Corporation (TSAHC)

    2. This program helps Texans become homeowners through down payment assistance and tax-saving options. Designed for first-time and repeat buyers, TSAHC programs are popular across the state.

    Program highlights:
    • Down payment assistance up to 5% of your loan amount, depending on the program.
    • Mortgage Credit Certificates (MCCs) that reduce your federal tax liability year after year.
    • The Homes for Texas Heroes Program is open to Texas residents with a “hero profession” such as school teachers, first responders, and military veterans or active service personnel.
    • The Home Sweet Texas Program is designed for homebuyers who do not qualify for the Homes for Texas Heroes Program.

    To qualify, buyers must meet income and credit score requirements and work with a TSAHC-approved lender.

    Visit TSAHC’s website for more information.
  2. Texas Department of Housing and Community Affairs (TDHCA)

    3. The TDHCA’s Texas Homebuyer Program offers two products—My First Texas Home and My Choice Texas Home— designed to help first-time or repeat buyers secure affordable mortgages.

    Program highlights:
    • Low-interest mortgage loans.
    • Up to 5% down payment and closing costs assistance, depending on the program.
    • Option to combine with an MCC for additional tax benefits.

    This program’s flexibility makes it ideal for a range of buyers, from recent college graduates purchasing a starter home in College Station to families upgrading to a larger space in Bryan.

    Click here for more details about TDHCA.
  3. USDA Rural Development Loans

    4. You don’t have to live far from city amenities to benefit from a USDA Rural Development Loan. Many areas surrounding Bryan-College Station qualify under the USDA’s rural guidelines, which are broadly applicable in Texas.

    Program highlights:
    • 100% financing—no down payment required (for eligible rural-area homebuyers).
    • Competitive interest rates and low mortgage insurance.
    • Flexible credit requirements.

    This program is an excellent option for buyers seeking homes in small towns or on the outskirts of Brazos County. Use the USDA eligibility map to see if the property you’re considering qualifies.

  4. FHA, VA, and conventional loan options

    5. In addition to local and state programs, traditional mortgage options can also make first-time buying easier:

    • FHA loans: Require only a 3.5% to 10% down payment for eligible homebuyers, and are ideal for those with a moderate credit score.
    • VA loans: Offer 0% down and competitive rates for qualified veterans, active-duty service members, and surviving spouses.
    • Conventional 3% down loans: These special loan programs are backed by Fannie Mae or Freddie Mac and are available to first time homebuyers who meet certain eligibility requirements, such as a credit score of at least 620 and a debt-to-income ratio not exceeding 43% to 50%. Borrowers are required to obtain private mortgage insurance, which may be removed once they have reached 20% equity.

    These loan types can be combined with local or state assistance programs to maximize affordability for homebuyers in Brazos County.

HOW TO QUALIFY AND APPLY FOR A LOAN

Here’s what to do next to get closer to your first home:

  1. Check your credit and finances. Review your credit report and pay down any outstanding debts.
  2. Take a homebuyer’s education course. This provides essential financial knowledge and is usually a program requirement
  3. Partner with a knowledgeable lender. Choose one familiar with Brazos County’s specific assistance options.
  4. Gather essential documents. Be prepared to show proof of income, tax returns, and identification.
  5. Work with a trusted REALTOR®. Local expertise makes all the difference when navigating property eligibility and program qualifications.

Along the way, keep a few practical first-time homebuyer tips in mind:

  • Budget for more than the purchase price. Closing costs, inspections, and maintenance can add up.
  • Ask your lender about stacking assistance programs. Combining a few options can save you even more money.
  • Focus on long-term value. Pick a home that suits your current and future needs.

YOUR BRAZOS COUNTY HOME AWAITS

Buying your first home in Brazos County is possible, especially with the right team by your side. With over 40 years of experience and a foundation built on teamwork, trust, and integrity, Berkshire Hathaway HomeServices Caliber Realty is here to help you navigate programs, lenders, and every step of the process.

Call 979.694.8844 or send BHHS Caliber Realty an email to learn more about opportunities in Brazos County.

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