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First-time home buyer programs in Huntsville, TX

Quick answer

First-time buyers in Huntsville, TX can use 3%-down conventional loans (up to the $832,750 Walker County conforming limit), 3.5%-down FHA, or VA and USDA where eligible. On the $225,800 median home, 3% down is about $6,774 and the estimated payment is $2,111/month at 7.18%.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $45,401; value-to-income ratio 4.97. Huntsville ranks 147 by home value and 78 by population among 267 places in our TX dataset.

What does a first-time buyer loan cost on a typical Huntsville home?

ItemHuntsville
Median home value (Census ACS)$225,800
Texas median home value$260,400
Down payment (3%)$6,774
Loan amount$219,026
Estimated monthly payment (PITI + MI)$2,111
Income needed (28% / 36%)$91,000 / $71,000
Walker County 2026 conforming limit (1 unit)$832,750
Max purchase price at the limit$858,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes Texas's 1.58% effective property tax rate (Census ACS), $2,864/yr homeowners insurance (NAIC state average) and an estimated 0.5% PMI.

What is the 2026 conforming loan limit in Huntsville?

Huntsville is in Walker County. Conventional 3%-down loans go up to the $832,750 conforming limit (price ≈ $858,000); FHA loans go up to $541,287.

The Huntsville median home value of $225,800 is 13% below the Texas median, and within what the county limit supports.

Which down payment assistance programs can Huntsville buyers use?

No applicable programs have been verified for this city yet. Check the state housing finance agency for current assistance.

First-time buyer loans in nearby cities

ConroeThe WoodlandsTomballCollege StationSpringBryan

First-time buyer loan FAQs for Huntsville

On the $225,800 median: 3% conventional ≈ $6,774, 3.5% FHA ≈ $7,903, and 0% for eligible VA or USDA buyers. Conventional loans above $832,750 in Walker County become jumbo loans.

At the $225,800 median value (below the Texas median of $260,400), the estimated payment of $2,111/month at 7.18% needs about $91,000 a year under the 28% housing guideline, or $71,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 0 statewide programs are verified for this city (0 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.