Try to see if you can qualify for a "Down Payment Assistance Grant". With a 4% or 5% Grant/gift issued by a Texas housing corporation, you may be able to buy a home with little to no money out of pocket. To qualify, your credit must be a 640, your income must be $84000 or less and the maximum purchase price is $260,000. If you can qualify for an FHA loan, you may be able to qualify for down-payment assistance.
Please feel free to reach out to me, to discuss what programs and rates are available and to find out if you can qualify. There are many programs and each program has its unique qualifiers...
Now is a great time to buy! Rates are historically low and appreciation is on the rise. The house you like today may have a higher purchase price and higher carrying costs next year.
Good luck with your purchase and best regards!!