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Special Programs for Primary Residence Buyers in Texas

Buying your primary home? Access low down payments, down payment assistance, and competitive rates designed for owner-occupants.

  • Down payment as low as $0-3.5%
  • Down payment assistance grants available
  • Pre-underwritten for approval certainty
Get Pre-Approved for Your Primary Home
Explore Down Payment Assistance

What Are Primary Home Buyer Programs?

Primary home buyer programs offer the best rates, lowest down payments, and most assistance because you will be living in the property. Whether you are a first-time buyer or repeat purchaser, Texas primary residence programs include FHA (3.5% down), VA ($0 down for veterans), USDA ($0 down for rural areas), conventional (3% down), and down payment assistance grants. At Q Mortgage, we match you with the best program for your situation.

Who Qualifies for Primary Residence Programs?

  • Texas buyers purchasing a home they will live in full-time
  • First-time homebuyers with limited savings
  • Repeat buyers upgrading or relocating their primary residence
  • Veterans and active military purchasing their first or next home
  • Buyers in rural areas qualifying for USDA financing
  • Families who qualify for down payment assistance

Key Benefits of Primary Residence Programs

Lowest Down Payments

Access $0-3.5% down programs vs. 10-25% for investment properties

Best Interest Rates

Primary residences get the lowest rates available

Pre-Underwriting

Q Mortgage pre-underwrites your loan for certainty

Down Payment Assistance

Grants and loans available for primary home purchases

Flexible Credit

FHA accepts scores as low as 580; VA and USDA are flexible too

How to Get a Primary Residence Loan

Step 1: Determine Your Best Program

We review your situation to match you with FHA, VA, USDA, conventional, or DPA programs.

Step 2: Get Pre-Underwritten

Q Mortgage pre-underwrites your loan so you know exactly what you are approved for.

Step 3: Complete Required Education

Some programs (especially DPA) require homebuyer education courses.

Step 4: Find Your Primary Residence

Shop for Texas homes knowing you are approved and ready to make offers.

Step 5: Appraisal and Final Approval

The home is appraised and your loan is finalized.

Step 6: Close and Move In

Sign your documents and move into your new primary residence!

Program Requirements

General Requirements (all programs):

  • Property must be your primary residence in Texas
  • You must move in within 60 days of closing
  • You must live there for at least 12 months

Program-Specific: FHA: 3.5% down, credit 580+. VA: $0 down, eligible veterans. USDA: $0 down, rural areas, credit 640+. Conventional: 3-5% down, credit 620+. Down Payment Assistance: income limits apply.

Which Program Is Right for You?

Choose FHA if your credit score is 580-679 and you have 3.5% down.

Choose VA if you are a veteran or active military and want $0 down with no mortgage insurance.

Choose USDA if buying in an eligible rural Texas area and want $0 down.

Choose Conventional if your credit score is 680+ and you can afford 3-5% down.

Add Down Payment Assistance if you are a first-time buyer or have not owned in 3 years and need help with down payment or closing costs.

Special Programs for Primary Residence Buyers in Texas

Buying your primary home? Access low down payments, down payment assistance, and competitive rates designed for owner-occupants.

  • Down payment as low as $0-3.5%
  • Down payment assistance grants available
  • Pre-underwritten for approval certainty
GET PRE-APPROVED FOR YOUR PRIMARY HOME
EXPLORE DOWN PAYMENT ASSISTANCE

What Are Primary Home Buyer Programs?

Primary home buyer programs offer the best rates, lowest down payments, and most assistance because you’ll be living in the property. Whether you’re a first-time buyer or repeat purchaser, Texas primary residence programs include FHA (3.5% down), VA ($0 down for veterans), USDA ($0 down for rural areas), conventional (3% down), and down payment assistance grants. At Q Mortgage, we match you with the best program for your situation.

Who Qualifies for Primary Residence Programs?

  • Texas buyers purchasing a home they'll live in full-time
  • First-time homebuyers with limited savings
  • Repeat buyers upgrading or relocating their primary residence
  • Veterans and active military purchasing their next home
  • Buyers in rural areas qualifying for USDA financing
  • Families who qualify for down payment assistance

Key Benefits of Primary Residence Programs

Lowest Down Payments

Access $0-3.5% down programs vs. 10-25% for investment properties

Best Interest Rates

Primary residences get the lowest rates available

Pre-Underwriting Process

Q Mortgage pre-underwrites your loan for certainty before you shop

Down Payment Assistance

Grants and loans available for primary home purchases in Texas

Flexible Credit Requirements

FHA accepts scores as low as 580; VA and USDA are flexible too

How to Get a Primary Residence Loan

Step 1: Determine Your Best Program

We review your situation to match you with FHA, VA, USDA, conventional, or DPA programs.

Step 2: Get Pre-Underwritten

Q Mortgage pre-underwrites your loan so you know exactly what you're approved for.

Step 3: Complete Required Education

Some programs (especially DPA) require homebuyer education courses.

Step 4: Find Your Primary Residence

Shop for Texas homes knowing you're approved and ready to make offers.

Step 5: Appraisal and Final Approval

The home is appraised and your loan is finalized.

Step 6: Close and Move In

Sign your documents and move into your new primary residence!

Program Requirements

General Requirements (all programs):

  • Property must be your primary residence in Texas
  • You must move in within 60 days of closing
  • You must live there for at least 12 months

Program-Specific Requirements: FHA: 3.5% down, credit 580+. VA: $0 down, eligible veterans. USDA: $0 down, rural areas, credit 640+. Conventional: 3-5% down, credit 620+. Down Payment Assistance: income limits and homebuyer education required.

Which Program Is Right for You?

Choose FHA if your credit score is 580-679 and you have 3.5% down. Choose VA if you are a veteran or active military and want $0 down with no mortgage insurance. Choose USDA if buying in an eligible rural Texas area and want $0 down. Choose Conventional if your credit score is 680+ and you can afford 3-5% down. Add Down Payment Assistance if you are a first-time buyer or have not owned in 3 years and need help with down payment or closing costs.

Frequently Asked Questions

A primary residence is the home where you live most of the year. You must move in within 60 days of closing and occupy it as your main home for at least 12 months.
Generally yes, as long as you still live there. Some programs allow rental income from roommates to count toward qualification.
Most programs require at least 12 months of occupancy. Moving earlier due to job relocation may be allowed with lender approval.
Yes, if you’re relocating. You may need to sell your current home first or prove you can afford two mortgages.
Q Mortgage reviews your credit, income, down payment savings, and property location to match you with the best program.
Yes! Many buyers use down payment assistance with FHA, VA, or conventional loans.
Yes. FHA, VA, and conventional loans work anywhere in Texas. USDA is limited to eligible rural areas.
Yes. We pre-underwrite all loan types so you have complete approval certainty before shopping.

Get the Best Financing for Your Primary Home

Your primary residence deserves the best financing available. Whether you’re a first-time buyer, veteran, or upgrading your home, Texas offers incredible programs with low down payments and down payment assistance. At Q Mortgage, we match you with the right program and pre-underwrite your loan so you can shop with confidence. NMLS# 2567464 | Licensed in Texas

GET PRE-APPROVED FOR YOUR PRIMARY HOME
EXPLORE YOUR OPTIONS

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