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Your Texas savings plan
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BluebonnetBuyer - Texas Savings Plan
Your savings plan
Harris County · Target price $325,000 · Conventional · Credit 700 · Prepared August 1, 2026
| Savings lever | Estimated value | |
|---|---|---|
| TSAHC Home Sweet Texas DPA | $16,250 | |
| Mortgage Credit Certificate (MCC) | $2,000 | |
| Seller concessions (6% of price) | $19,500 | |
| Lender credit (premium pricing) | $3,250 | |
| Homestead exemption (annual) | $1,300 | |
| Lender comparison savings (Illustrative avg.) | $1,800 | |
| Inspection-based concessions (Illustrative avg.) | $2,500 | |
| Total potential savings (year 1) | $46,600 |
Your next 3 moves
- Apply with any TSAHC- or TDHCA-approved lender of your choice. BluebonnetBuyer does not originate, broker, or refer loans — pick the lender you trust.
- Layer the MCC at application - it must be added before close.
- Write offers with seller concessions on every property.
Don’t leave money on the table
- File homestead exemption within 30 days of closing.
- Shop 3+ lenders — rate alone can save $200/mo.
- Protest your appraisal in May — ~50% win rate.
Educational estimate only - not a loan offer or commitment to lend. BluebonnetBuyer is an independent educational platform and is not a lender, mortgage broker, real-estate brokerage, financial advisor, attorney, or tax advisor. The savings levers above are general illustrations; eligibility, program availability, funding, rates, taxes, insurance, closing costs, and assistance amounts are determined by your licensed lender, title company, the program-sponsoring agency, and local taxing authorities, and may differ materially. Always verify with a Texas-licensed professional before acting. Generated by BluebonnetBuyer — bluebonnetbuyer.com.