New Construction Guide
First-Time Homebuyer Guide for New Construction in Texas
A practical guide to FHA, VA, USDA, down payment assistance, builder incentives, and the steps first-time buyers use to get into a new Central Texas home.
Start with the loan program
Most first-time buyers compare FHA, VA, USDA, and conventional loans before they choose a home. FHA can be useful with a smaller down payment, VA is powerful for eligible military buyers, USDA can help in qualifying areas, and conventional can be strong for buyers with more savings or credit strength.
Do not ignore down payment assistance
Texas has down payment assistance programs that may help with cash to close. The right lender matters because program rules, income limits, and eligible areas can change.
New construction can simplify the process
A new home can remove some resale friction: no bidding war, clearer pricing, builder warranties, and a house that has not inherited years of deferred maintenance.
Need current options?
Compare this advice against live homes.
Browse the current DR Horton inventory, save anything close, and Kody can confirm availability and incentives before you tour.