# Buying a Home in Houston: Steps, Down Payment & Pre-Approval | Agustin Canales

> How to buy a home in Houston: the steps to closing, down payment minimums, seller-paid closing costs and pre-approval, from a local loan officer.

## Quick summary
- Steps to buy a home in Houston: talk numbers, get pre-approved, shop with a Realtor, go under contract (appraisal, underwriting), close.
- Many buyers need 0%–5% down, not 20%: FHA 3.5%, some conventional 3%, VA 0% for eligible veterans. Details: [down payment in Houston](https://agustincanales.com/blog/down-payment-houston/).
- Texas sellers can pay closing costs within program limits. Details: [seller-paid closing costs](https://agustincanales.com/blog/seller-paid-closing-costs-texas/).
- Get pre-approved with Agustin Canales (NMLS #1484335): call or text (832) 531-4192. English o español.

Page: https://agustincanales.com/buy-a-home/

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