# How Much Do You Need for a Down Payment on a House in Houston? | Agustin Canales

> Most Houston buyers don't need 20% down. A loan officer explains the real minimums for FHA, conventional and VA loans, and the cash to close you should plan for.

## Quick summary
- Most Houston buyers need far less than 20% down: usually 0%–5%.
- Minimums: FHA 3.5% (with a qualifying credit score), some conventional loans 3%, VA 0% for eligible veterans.
- Under 20% down on conventional usually means mortgage insurance. Also plan for closing costs, which sellers can often pay in Texas.
- Money can come from savings, a documented family gift, or down payment assistance.
- By Agustin Canales, Senior Mortgage Loan Officer, NMLS #1484335. Call or text (832) 531-4192.

Page: https://agustincanales.com/blog/down-payment-houston/

Agustin Canales · NMLS #1484335 · First Community Credit Union NMLS #217251 · Equal Housing Opportunity