First-time buyers

Buying Your First Home in Dallas–Fort Worth

Your first purchase should feel exciting, not confusing. Here is how buying works in Texas, step by step, and how our team walks you through each part.

1. Get pre-approvedTalk with a lender first so you know your real budget and monthly payment. We can introduce you to local lenders who work with first-time buyers.
2. Ask about down payment helpTexas has statewide programs for first-time and moderate-income buyers, including options through the Texas State Affordable Housing Corporation (TSAHC) and the Texas Department of Housing and Community Affairs (TDHCA). Some cities and counties have their own. Your lender can tell you which ones you qualify for.
3. Tour homes with a planWe help you compare neighborhoods, commutes, school districts, HOA dues and property tax rates, so the home you love also fits your budget.
4. Make a strong offerTexas uses standard TREC contract forms. We'll explain earnest money, the option fee, and the option period – your window to inspect the home and walk away if needed.
5. Inspect and negotiateDuring the option period you'll schedule inspections. North Texas clay soil makes a careful look at the foundation, roof and HVAC especially worthwhile.
6. Close and get your keysThe title company handles closing. After you move in, remember to file for your homestead exemption with your county appraisal district to lower your property taxes.

Starter homes on the market now

• Under $300K
• $300K–$400K
• Townhomes & condos under $350K
• All price ranges