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Programs You May Qualify For
Based on your profile, we found 4 strong matches
Conventional
Conventional 97 is a strong fit for first-time buyers like you with 720+ credit. Your $90k income, 38% DTI, and 5% down ($19,250) meet all requirements. Expected monthly payment: ~$2,520 PITI.
Key Features
- 3% minimum down payment
- 620+ FICO required (you have 730)
- First-time buyer friendly
- PMI required (removable at 80% LTV)
FHA
FHA 203(b) offers flexible underwriting with your strong profile. With 3.5% down ($13,475), you'd have $5,775 left in reserves. FHA is great if conventional pricing is tight in your area.
Key Features
- 3.5% minimum down payment
- 580+ FICO required (you have 730)
- Flexible DTI up to 56.99% AUS-dependent
- Upfront and monthly MIP
Conventional
HomeReady is designed for buyers earning at or below 80% of area median income. Your income may qualify in many Texas markets. Reduced MI and 3% down option.
Key Features
- 3% minimum down payment
- 620+ FICO required
- Reduced MI premiums vs standard Conv 97
- Income limits apply by area
Texas DPA
If you're buying in Texas (which your profile shows), TDHCA offers down payment assistance up to 5% to bring your out-of-pocket down. Income limits and county-specific caps apply.
Key Features
- DPA available 2-5%
- 620+ FICO required
- Income and purchase price limits by county
- Texas residents only
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