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First-time home buyer programs in Wells Branch, TX

Quick answer

First-time buyers in Wells Branch, TX can use 3%-down conventional loans (up to the $832,750 Travis County conforming limit), 3.5%-down FHA, or VA and USDA where eligible, plus 1 verified city, county or statewide assistance program. On the $368,500 median home, 3% down is about $11,055 and the estimated payment is $3,294/month at 7.18%.

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

Median household income: $64,345; value-to-income ratio 5.73. Wells Branch ranks 50 by home value and 214 by population among 267 places in our TX dataset.

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

ItemWells Branch
Median home value (Census ACS)$368,500
Texas median home value$260,400
Down payment (3%)$11,055
Loan amount$357,445
Estimated monthly payment (PITI + MI)$3,294
Income needed (28% / 36%)$142,000 / $110,000
Travis 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 Wells Branch?

Wells Branch is in Travis County. Conventional 3%-down loans go up to the $832,750 conforming limit (price ≈ $858,000); FHA loans go up to $571,550.

The Wells Branch median home value of $368,500 is 42% above the Texas median, and within what the county limit supports.

Which down payment assistance programs can Wells Branch buyers use?

First-time buyer loans in nearby cities

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First-time buyer loan FAQs for Wells Branch

On the $368,500 median: 3% conventional ≈ $11,055, 3.5% FHA ≈ $12,898, and 0% for eligible VA or USDA buyers. Conventional loans above $832,750 in Travis County become jumbo loans.

At the $368,500 median value (above the Texas median of $260,400), the estimated payment of $3,294/month at 7.18% needs about $142,000 a year under the 28% housing guideline, or $110,000 if your total debts stay under 36%.

0 city-level, 1 county-level and 0 statewide programs are verified for this city (1 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.