I believe Texas has a state housing authority that offers special loans for 1st time home buyers, and your county/city might offer some programs, too. BUT, for the most part there are federal loans out there. Call any lender and they should be able to help you out and recommend a plan for you. Ask specifically about FHA loans (they are federal) and if you are a vet, ask about VA loans. Those are great programs. No matter what they say and what your income is, first time home ownership seems expensive, and scary and overwhelming - intermingled with exciting and all kinds of good emotions, too. Buying a home is the BEST investment you can make. Congratulations on your decision - stay committed. :-) Find a good realtor who can help you (I am happy to refer someone if you want to email me at email@example.com), they will tell you about 1st time home buyer programs in your area, good lenders vs. bad, and help you make the decisions you need to.