Think you need a big down payment to buy a home in Bastrop? Think again. There are legit ways to buy your first home here with little or no money down—especially if you qualify for certain loan programs.
Here’s how it works.
1. USDA Loans – 100% Financing
- Available in many Bastrop neighborhoods, especially rural areas like Circle D, Tahitian Village, and outskirts of The Colony
- Income and location-based
- Must be your primary residence
2. VA Loans – 0% Down for Veterans
- No PMI, flexible credit requirements
- Great for first-time military homebuyers
- Easy to use in Bastrop County with eligible service
3. TSAHC & Other Down Payment Assistance
- Texas State Affordable Housing Corporation
- Covers up to 5% in grant or forgivable assistance
- Combine with FHA or Conventional loans
- Great for teachers, first responders, and income-qualified buyers
4. Seller Concessions
- I often help first-time buyers negotiate closing costs paid by the seller, which reduces upfront cash needed
Final Thoughts
Don’t let the myth of needing 20% down keep you stuck renting. With the right game plan, Bastrop buyers can get into a home with little or no out-of-pocket cost.
💸 Let’s check your eligibility and get you pre-approved today.
