Financing, in plain English
Most people don't buy a home with cash — they buy a monthly payment. This page gives you honest numbers, the programs that can lower your costs, and a team that will walk you through all of it.
Rates change often and depend on your credit, loan type, and down payment. Ask us for a current quote — it takes one phone call.
What would your payment be?
*Estimated Monthly Payment Disclaimer: Monthly payment estimates shown are for illustrative purposes only and are based on a 30-year fixed-rate conventional mortgage with 20% down payment. Interest rates, property tax rates, HOA dues, and homeowner's insurance estimates vary by listing and community. Payment estimates include principal, interest, property taxes, HOA fees, and homeowner's insurance where applicable, but do not include private mortgage insurance (PMI), flood insurance, or other fees that may apply. Actual monthly payments will vary based on your credit profile, down payment, loan program, lender terms, and applicable taxes and insurance at closing. These estimates do not constitute a loan offer, pre-approval, or commitment to lend. Alta Homes is not a mortgage lender. Please consult a licensed mortgage professional for personalized rate quotes and loan terms. For detailed assumptions on a specific home, click "Learn More" to view the full mortgage calculator on the listing page.
Get prequalified
Prequalification is a quick, free conversation that tells you exactly what you can afford — before you fall in love with a home. It does not commit you to anything.
Start my prequalificationNot sure you'd qualify? Talk to us anyway — we'll help you build a plan. Nobody should rule themselves out without asking.
Texas programs that can help
Texas has real, state-backed programs that can cover part of your down payment or closing costs for eligible buyers. Our team works with these regularly — ask and we'll tell you which ones fit your situation.
TSAHC Homes for Texas Heroes
Down payment assistance for teachers, police, firefighters, EMS, corrections officers, and veterans.
TSAHC Home Sweet Texas
Down payment assistance for low- and moderate-income buyers — no first-time-buyer requirement.
TDHCA My First Texas Home
Down payment and closing cost assistance for first-time buyers, paired with a competitive rate.
TDHCA My Choice Texas Home
Similar help without the first-time-buyer requirement.
Mortgage Credit Certificate (MCC)
A yearly federal tax credit on your mortgage interest for eligible first-time buyers.
Program rules and availability change — eligibility is confirmed by your lender, and our Home Advisors can point you in the right direction.
The four common loan types
FHA
Lower down payment (often 3.5%) and flexible credit requirements. A common first-time buyer choice.
VA
For veterans and active-duty military: often zero down payment and no monthly mortgage insurance.
USDA
Zero-down loans for homes in eligible rural areas — parts of Montgomery County qualify.
Conventional
The standard loan. Down payments from 3–20%; strong credit gets the best rates.
Renting vs. buying — run your own numbers
Type in your current rent and see what the same money looks like as a mortgage payment.
Rough estimate: assumes a 30-year loan at 6% with 5% down, before taxes and insurance. Talk to us for real numbers.
Contact us today
Ready to take the next step? Get in touch with our team of sales consultants and let us help bring your home ownership dreams to life.
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