Owner Financing in TexasFind Seller Financed Homes with No Bank Needed
Browse hundreds of owner financed properties across Texas. From Houston to Dallas, Austin to San Antonio - find homes with flexible seller financing, low down payments, and no traditional mortgage requirements.
Owner Financed Homes by Texas City
Houston
Harris County & Surrounding Areas
- • The Woodlands
- • Sugar Land
- • Katy
- • Pearland
50+ Properties Available →
Dallas-Fort Worth
DFW Metroplex
- • Fort Worth
- • Arlington
- • Plano
- • Irving
45+ Properties Available →
Austin
Travis County & Metro
- • Round Rock
- • Cedar Park
- • Georgetown
- • Pflugerville
35+ Properties Available →
San Antonio
Bexar County
- • New Braunfels
- • Boerne
- • Schertz
- • Seguin
30+ Properties Available →
El Paso
West Texas
- • Las Cruces area
- • Socorro
- • Horizon City
- • Fort Bliss area
20+ Properties Available →
Corpus Christi
Coastal Texas
- • Portland
- • Rockport
- • Aransas Pass
- • Ingleside
15+ Properties Available →
Why Choose Owner Financing in Texas?
Texas Law Protection
Texas has specific laws protecting buyers in owner finance deals, including required disclosures and contractual safeguards.
No State Income Tax
Texas has no state income tax, meaning more money in your pocket for home payments and improvements.
Growing Property Values
Texas real estate continues to appreciate, making owner financed properties a smart investment opportunity.
Fast Closing Process
Close in as little as 7 days with owner financing, compared to 30-45 days with traditional mortgages.
Flexible Terms
Negotiate directly with sellers on down payment, interest rates, and payment schedules that work for you.
Bad Credit Options
Many Texas sellers accept buyers with less-than-perfect credit or self-employment income.
Texas Owner Financing FAQs
How does owner financing work in Texas?
In Texas, owner financing allows property sellers to act as the lender. The buyer makes payments directly to the seller instead of getting a traditional mortgage. Texas has specific laws protecting both buyers and sellers in owner finance transactions.
Is owner financing legal in Texas?
Yes, owner financing is completely legal in Texas. The state has specific regulations under the Texas Property Code that govern seller financing, including required disclosures and protections for buyers.
What are typical down payments in Texas?
Down payments for owner financed homes in Texas typically range from 5% to 20% of the purchase price, though some sellers may accept less. The amount is negotiable between buyer and seller.
Can I get owner financing with bad credit?
Yes, many Texas sellers offering owner financing are more flexible about credit scores than banks. They often focus more on your down payment and ability to make monthly payments rather than credit history.
What Texas cities have the most owner financed homes?
Houston, Dallas-Fort Worth, San Antonio, and Austin have the most owner financed properties. However, you can find seller financing options throughout Texas, including smaller cities and rural areas.
Ready to Find Your Texas Home with Owner Financing?
Browse hundreds of owner financed properties across Texas. No bank needed, flexible terms, and fast closing.