Why does down payment vary across Texas?

Home prices vary widely; a 12% down payment scales with the local median. Owner financing often accepts less.

Yes, owner-finance deals commonly land in the 10-20% range. Conventional underwriting usually wants 20% to avoid PMI.

Can I find lower-down options?

Browse low-down-payment homes by city, many owner-finance and lease-option deals sit under 10%.

Buyer authority TX

Estimated owner-finance down payment by city in Texas.

Down payments scale with home prices but flex by financing type. This ranks Texas cities by an estimated typical down payment on an owner-financed or low-down deal (12% of estimated median home value). This is a modeled directional comparison, not a survey of actual closings.

Last updated November 2026

Texas ranking

50 cities ranked. Click any row for the matching local page.

#	City	Est. typical down payment	Score
1	Roma	$20,200	86	View →
2	San Elizario	$20,200	86	View →
3	Crystal City	$20,600	86	View →
4	Marlin	$20,800	86	View →
5	Raymondville	$21,200	85	View →
6	Canutillo	$21,700	85	View →
7	Edcouch	$21,100	85	View →
8	Mercedes	$22,800	84	View →
9	Balch Springs	$22,700	84	View →
10	Woodville	$22,300	84	View →
11	Crockett	$22,800	84	View →
12	Penitas	$22,000	84	View →
13	Commerce	$22,800	84	View →
14	Galena Park	$22,300	84	View →
15	Trinity	$22,700	84	View →
16	Donna	$23,000	83	View →
17	Los Fresnos	$23,600	83	View →
18	South Houston	$22,900	83	View →
19	Jasper	$22,900	83	View →
20	Wharton	$22,900	83	View →
21	Zapata	$23,300	83	View →
22	Sweetwater	$23,000	83	View →
23	Hidalgo	$23,200	83	View →
24	La Feria	$23,000	83	View →
25	Pecos	$23,600	83	View →
26	Hillsboro	$23,400	83	View →
27	Brookshire	$23,000	83	View →
28	Jefferson	$23,000	83	View →
29	Comanche	$22,900	83	View →
30	Pharr	$24,400	82	View →
31	San Benito	$24,000	82	View →
32	Eagle Pass	$24,500	82	View →
33	Rio Grande City	$24,100	82	View →
34	Alamo	$24,400	82	View →
35	Fort Hood	$24,500	82	View →
36	Uvalde	$24,000	82	View →
37	Bonham	$24,500	82	View →
38	Pittsburg	$24,500	82	View →
39	Vernon	$24,500	82	View →
40	Mexia	$23,900	82	View →
41	Atlanta	$24,600	82	View →
42	Mathis	$24,000	82	View →
43	Slaton	$24,400	82	View →
44	Weslaco	$24,700	81	View →
45	San Marcos	$25,300	81	View →
46	Port Arthur	$24,700	81	View →
47	San Juan	$25,000	81	View →
48	Jacksonville	$25,200	81	View →
49	Robstown	$25,400	81	View →
50	Mabank	$25,400	81	View →

Methodology

Estimated down = 12% of estimated median home value (representative of owner-financed and low-down deals). Conventional loans typically require 20%; FHA can be 3.5%. Use as a directional comparison.

FAQ

Why does down payment vary across Texas?: Home prices vary widely; a 12% down payment scales with the local median. Owner financing often accepts less.
Is 12% realistic?: Yes, owner-finance deals commonly land in the 10-20% range. Conventional underwriting usually wants 20% to avoid PMI.
Can I find lower-down options?: Browse low-down-payment homes by city, many owner-finance and lease-option deals sit under 10%.