What First-Time Homebuyers in Texas Need to Know Before Building a New Home

Building a New Home in Texas

Building your first home is an exciting milestone—but if you’re a first-time homebuyer in Texas, it can also come with a lot of questions. From timelines and financing to design choices and representation, knowing what to expect can make the entire process smoother and more enjoyable.

If you’re considering building a new home in Houston or San Antonio, here’s what you need to know before getting started—and how First America Homes helps simplify the journey.

How Long Does It Take to Build a Home in Texas?

One of the most common questions first-time buyers ask is how long the new construction process takes.

While building times can vary widely depending on builders, building a new home with First America Homes typically takes 4–9 months from start to finish. That timeline can vary based on factors such as:

• Weather conditions
• Labor availability
• Material supply

For buyers who need to move sooner, First America Homes also offers move-in ready homes in select Houston and San Antonio communities—giving you the benefits of new construction without the wait.

Good to know: Your Sales Consultant will keep you informed throughout the process so there are no surprises along the way.

Do I Need a 20% Down Payment to Buy a Home in Texas?

No—you do not need a 20% down payment to buy a home.

Many first-time homebuyers are surprised to learn that there are flexible financing options available when building a new home in Texas. First America Homes works with trusted lending partners who offer:

• FHA loans
• VA loans
• Down payment assistance programs

These programs are designed to make homeownership more accessible, especially for first-time buyers who may not have a large amount saved. Your lender can help determine which option works best for your financial situation.

Do I Need a Real Estate Agent to Buy a New Construction Home?

While First America Homes is always happy to work with real estate agents, an agent is not required to buy a new construction home.

Our experienced Sales Consultants are available to:

• Walk you through the entire homebuying process
• Answer questions about floorplans, pricing and communities
• Help you navigate financing and next steps

For many first-time buyers, working directly with a Sales Consultant provides a straightforward, guided experience from start to finish.

Can I Choose My Own Design Details and Options?

Yes—design personalization is one of the biggest advantages of building a new home.

If you choose a dirt build (building from the ground up), you’ll have the opportunity to select design options and upgrades that reflect your style. While First America Homes does not offer fully custom homes, you’ll work with a professional designer at our Design Center to choose finishes such as:

• Flooring
• Cabinets and countertops
• Lighting and fixtures

This allows you to personalize your home while still enjoying the efficiency and affordability of a thoughtfully designed floorplan.

Why Building a New Home Is a Smart Choice for First-Time Texas Buyers

For first-time homebuyers in Houston and San Antonio, building a new home offers several key advantages:

• Flexible layouts designed for today’s lifestyles
• Energy-efficient features that help lower monthly utility costs
• Fewer maintenance concerns compared to older resale homes
• An industry-leading warranty for added peace of mind

Combined with flexible financing options and guided support, new construction can be a smart and confidence-boosting way to become a homeowner.

Ready to Build Your First Home in Texas?

Whether you’re just starting your research or ready to take the next step, First America Homes is here to help you every step of the way. From move-in ready homes to personalized dirt builds, we make building a new home in Texas simple and approachable.

Explore new home communities in Houston and San Antonio or schedule a tour today to get started.