Requirements to buy a house in Texas as an immigrant

Buying a home is a big step — and for immigrants moving to Texas, it can also be a major part of building a stable life in the United States. The good news is that you don’t have to be a U.S. citizen to buy property. Whether you have a visa, permanent residency, or another legal status, you can purchase a home in Texas legally and safely.

As you make long-term plans for your family, it’s also a good idea to compare final expense insurance in the U.S. This type of coverage helps ensure financial protection during unexpected situations, especially while you’re settling in a new country.

Can immigrants buy a home in Texas?

Yes. You do not need to be a U.S. citizen to buy property in Texas. Immigrants with the following statuses can legally buy a house:

• Green Card holders (permanent residents)
• Temporary visa holders (such as H-1B, L-1, E-2, etc.)
• DACA recipients
• TPS (Temporary Protected Status) holders
• Refugees and asylum seekers
• Even some undocumented immigrants (if paying in cash and meeting local laws)

Important: Buying property is allowed, but getting a mortgage loan may require additional documentation.

Basic requirements to buy a house in Texas

Here are the most common documents and conditions you need to meet:

Step-by-step: how to buy a house in Texas as an immigrant

1. Check your immigration status

Make sure your documentation is valid. Some mortgage lenders require at least 2 years of stable legal status.

2. Get an ITIN (if no SSN)

If you don’t have a Social Security Number, apply for an Individual Taxpayer Identification Number (ITIN) from the IRS.

3. Review your finances

• How much can you afford?
• Do you have a steady income?
• Can you make a down payment?

4. Apply for mortgage pre-approval

This shows real estate agents and sellers that you're a serious buyer. You’ll need:

• Proof of income
• ID and immigration documents
• Credit history (if available)

5. Find a real estate agent

Choose one familiar with immigrant homebuyers and local Texas laws.

6. Search for a home

Explore different cities and neighborhoods. Compare prices and property taxes.

7. Make an offer and close the sale

Once your offer is accepted, complete the loan process and finalize the purchase. You’ll get the keys after closing!

Home prices in Texas (2025 Averages)

Prices vary by area. Some towns offer more affordable options for first-time buyers.

Can you buy without a credit history?

Yes. Some lenders offer special loans for people without a credit score. You may be asked to show:

• Bank statements
• Utility bills
• Rent payment history
• A larger down payment

Are there any legal limitations?

In general, there are no legal barriers that stop immigrants from buying property. However:

• Getting a mortgage may require more paperwork
• Not all lenders accept all visa types
• Undocumented immigrants can buy homes but usually must pay in cash

Tips for first-time immigrant homebuyers

• ✅ Use a real estate agent who speaks your language or understands your culture
• ✅ Ask for a written list of all costs (closing fees, taxes, etc.)
• ✅ Research neighborhoods before buying
• ✅ Don’t rush — compare offers from multiple lenders
• ✅ Make sure you understand the loan terms before signing anything

Buying a home in Texas as an immigrant is possible — and often easier than people think. With legal status, the right documents, and a bit of financial preparation, you can start building your future in the United States.

And as you plan for long-term stability, don’t forget to also compare final expense insurance in the U.S to ensure your loved ones are protected during every stage of life.