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The REAL in Real Estate

The REAL in Real Estate

100% Zero Down Financing in Texas: How to Buy a Home Without a Down Payment

Jul 22, 2026 · 25 min · 10 segments

Show Notes: Think you need 20% down to buy a home in Texas? You don't. A true 100% zero down loan exists right now, and it is open to any buyer purchasing a primary residence -- no income limits, no…

Show Notes: Think you need 20% down to buy a home in Texas? You don't. A true 100% zero down loan exists right now, and it is open to any buyer purchasing a primary residence -- no income limits, no location restrictions, no requirement to be a first-time buyer, a veteran, or a doctor. Host Jean Mitchell of Trilogy Real Estate sits down with Ben Shores of First Community Credit Union to walk through exactly how this loan works, who qualifies, and how buyers are walking to the closing table with little to nothing out of pocket.<...

Show Notes: Think you need 20% down to buy a home in Texas? You don't. A true 100% zero down loan exists right now, and it is open to any buyer purchasing a primary residence -- no income limits, no…

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Show signals: SuitabilitySafeBiasNot politicalAudience≈28 followers

Speakers: Ben ShoresGuestJean MitchellHost

Top entities: Texas×2 Fannie Mae Debt service coverage ratio×2 Homeowner association Freddie Mac

How the Zero-Down Loan Works1:20 – 6:06

B

Ben ShoresGuest

1:20

Well, it is a pretty neat program for sure.

B

Ben ShoresGuest

1:23

Most common misconception is that 20% down is required to buy a home.

B

Ben ShoresGuest

1:30

And that's just simply not the case.

B

Ben ShoresGuest

1:32

There's so many different options.

B

Ben ShoresGuest

1:33

So if you ever have any questions, reach out.

B

Ben ShoresGuest

1:36

We can explore your options for you.

B

Ben ShoresGuest

1:37

But in this particular case, it is a true 100% zero down loan for anyone.

B

Ben ShoresGuest

1:46

First time homebuyer, second time homebuyer, Fifth home buyer, whatever, right? Well, that's

J

Jean MitchellHost

1:52

very exciting.

B

Ben ShoresGuest

1:53

Has to be a primary residence.

B

Ben ShoresGuest

1:55

That's kind of the only restriction.

B

Ben ShoresGuest

1:57

There's no income limits or location limit requirements that traditional first-time home buyer programs are going to have.

B

Ben ShoresGuest

2:07

Great.

B

Ben ShoresGuest

2:07

So it can be in any location and any location.

B

Ben ShoresGuest

2:11

specific requirement um it will go up to conforming loan limits which is 826 000 so it can go up to a a nice amount um and you can get into a home with zero down which is just crazy to think

J

Jean MitchellHost

2:29

about yeah

B

Ben ShoresGuest

2:30

yeah i mean yeah you know don't tell me

J

Jean MitchellHost

2:32

you can't afford to buy a home right

B

Ben ShoresGuest

2:34

that's right that's right um and then the nice party is you can get some seller contributions possibly and come to closing with little to nothing out of pocket.

B

Ben ShoresGuest

2:45

So not only are you doing no down payment, but potentially with a little bit of seller concessions, you could get into a home with almost nothing.

B

Ben ShoresGuest

2:57

How cool is that? Yeah, that's

J

Jean MitchellHost

2:58

amazing.

B

Ben ShoresGuest

2:59

Yeah.

B

Ben ShoresGuest

3:02

It doesn't have any crazy rules or anything special that is going to stump people or cause them to...

B

Ben ShoresGuest

3:14

They're going to like what they see.

TexasAdministrative AreaUS state
90%2 mentions
Fannie MaeCompanyFinance company
70%1 mention
Debt service coverage ratioEntity
50%2 mentions
Homeowner associationEntityOrganization type
30%1 mention
Freddie MacCompanyFinance company
10%1 mention

Personal FinanceFinance
HomeownershipReal Estate
Home Purchase TransactionsReal Estate > Residential Real Estate
Mortgage UnderwritingFinance > Personal Finance > Consumer Lending
100% Zero-Down Primary-Residence LoanReal Estate > Residential Real Estate > Home Buying > Mortgage Financing
Closing CostsReal Estate > Residential Real Estate > Home Purchase Transactions
Seller Contributions Toward Buyer Closing CostsReal Estate > Residential Real Estate > Home Purchase Transactions > Closing Costs
Property Equity StrategiesReal Estate > Homeownership > Wealth Building
Converting a Starter Home into a Rental PropertyReal Estate > Homeownership > Wealth Building > Property Equity Strategies
Self-Employed Borrower FinancingFinance > Mortgage Lending
Alternative Income DocumentationFinance > Mortgage Lending > Self-Employed Borrower Financing
Bank-Statement Mortgage Without Tax ReturnsFinance > Mortgage Lending > Self-Employed Borrower Financing > Alternative Income Documentation
Wealth BuildingReal Estate > Homeownership
Consumer LendingFinance > Personal Finance
Mortgage LendingFinance
Mortgage FinancingReal Estate > Residential Real Estate > Home Buying
Residential Real EstateReal Estate
Home BuyingReal Estate > Residential Real Estate
Finance
Real Estate

How the Zero-Down Loan Works1:20 – 6:06

B

Ben ShoresGuest

1:20

Well, it is a pretty neat program for sure.

B

Ben ShoresGuest

1:23

Most common misconception is that 20% down is required to buy a home.

B

Ben ShoresGuest

1:30

And that's just simply not the case.

B

Ben ShoresGuest

1:32

There's so many different options.

B

Ben ShoresGuest

1:33

So if you ever have any questions, reach out.

B

Ben ShoresGuest

1:36

We can explore your options for you.

B

Ben ShoresGuest

1:37

But in this particular case, it is a true 100% zero down loan for anyone.

B

Ben ShoresGuest

1:46

First time homebuyer, second time homebuyer, Fifth home buyer, whatever, right? Well, that's

J

Jean MitchellHost

1:52

very exciting.

B

Ben ShoresGuest

1:53

Has to be a primary residence.

B

Ben ShoresGuest

1:55

That's kind of the only restriction.

B

Ben ShoresGuest

1:57

There's no income limits or location limit requirements that traditional first-time home buyer programs are going to have.

B

Ben ShoresGuest

2:07

Great.

B

Ben ShoresGuest

2:07

So it can be in any location and any location.

B

Ben ShoresGuest

2:11

specific requirement um it will go up to conforming loan limits which is 826 000 so it can go up to a a nice amount um and you can get into a home with zero down which is just crazy to think

J

Jean MitchellHost

2:29

about yeah

B

Ben ShoresGuest

2:30

yeah i mean yeah you know don't tell me

J

Jean MitchellHost

2:32

you can't afford to buy a home right

B

Ben ShoresGuest

2:34

that's right that's right um and then the nice party is you can get some seller contributions possibly and come to closing with little to nothing out of pocket.

B

Ben ShoresGuest

2:45

So not only are you doing no down payment, but potentially with a little bit of seller concessions, you could get into a home with almost nothing.

B

Ben ShoresGuest

2:57

How cool is that? Yeah, that's

J

Jean MitchellHost

2:58

amazing.

B

Ben ShoresGuest

2:59

Yeah.

B

Ben ShoresGuest

3:02

It doesn't have any crazy rules or anything special that is going to stump people or cause them to...

B

Ben ShoresGuest

3:14

They're going to like what they see.

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