Top 5 First-Time Homebuyer Programs in Brownsville, TX

Buying your first home in Brownsville, Texas, is an exciting step—but it can also feel overwhelming when it comes to financing. Thankfully, there are several first-time homebuyer programs that can make the process easier and more affordable. At Reliant Mortgage Services, we specialize in helping families and individuals in Brownsville find the right loan program to fit their goals. Here are the top 5 first-time homebuyer programs available in 2025.

1. FHA Loans (Federal Housing Administration)

• Low down payment – As little as 3.5%
• Flexible credit requirements – Ideal if your credit isn’t perfect
• Competitive rates – Backed by the federal government

Perfect for Brownsville families who want to enter the housing market without a large upfront cost.

2. VA Loans (Veterans Affairs)

• Zero down payment
• No private mortgage insurance (PMI)
• Lower interest rates

With Brownsville’s strong military and veteran community, this is a powerful option for those who qualify.

3. USDA Loans (U.S. Department of Agriculture)

• No down payment required
• Low fixed rates
• Geared toward suburban and rural buyers

This program is perfect for those looking just outside city limits where USDA eligibility applies.

4. Conventional 97 Loan

• 3% down payment
• Lower mortgage insurance costs compared to FHA
• Flexibility with property types

Ideal for buyers with solid credit who are planning to stay long-term.

5. Texas State Affordable Housing Corporation (TSAHC) Programs

• Down payment assistance grants
• Low-interest loans
• Special programs for teachers, nurses, and first responders

For Brownsville residents, this can make the difference between renting and owning.

 Why Choose Reliant Mortgage Services?

At Reliant Mortgage Services, we help first-time buyers in Brownsville navigate these programs with ease. From FHA to state-specific options, we’ll guide you every step of the way so you can move into your new home faster.