Personal plan

Your Texas savings plan

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Your name (optional)Texas countyTarget purchase priceHousehold incomeCredit score (middle)Loan type First-time buyer (no home owned in 3 years) Veteran / active military Teacher / first responder / EMS / corrections

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BluebonnetBuyer - Texas Savings Plan

Your savings plan

Harris County · Target price $325,000 · Conventional · Credit 700 · Prepared June 17, 2026

Savings lever	How	Estimated value
TSAHC Home Sweet Texas DPA	Grant equal to 5% of loan amount, no repayment.	$16,250
Mortgage Credit Certificate (MCC)	Annual federal tax credit, up to $2,000/year for the life of the loan.	$2,000
Seller concessions (6% of price)	Negotiated in your offer to cover closing costs and prepaids.	$19,500
Lender credit (premium pricing)	1% of loan amount toward closing in exchange for ~0.25% higher rate. Optional.	$3,250
Homestead exemption (annual)	Removes $100k of value from school tax + caps appraisal at 10%/yr. File with county after closing.	$1,300
Lender comparison savings (Illustrative avg.)	Shopping 3+ lenders typically saves $1,500-$2,500 in fees + rate. Illustrative figure, not a tracked outcome.	$1,800
Inspection-based concessions (Illustrative avg.)	After option period, typical illustrative credit on a $325k Texas home. Illustrative figure, not a tracked outcome.	$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.