New construction incentives · Verified October 11, 2026

$0 down may be possible on a new Houston home.

Houston-area builders are advertising special mortgage rates, closing cost help and flex cash right now. Every offer here is dated and listed with its conditions.

$0 down may be possible

Three ways buyers reduce the cash they need.

VA loans

Eligible veterans, service members and some surviving spouses can buy with no down payment under the VA loan program. A funding fee may apply, and the lender must approve the loan.

USDA loans

USDA loans allow no down payment on homes in eligible rural areas, for households within the program's income limits. Eligibility is checked by property address.

Builder credits

Closing cost credits and flex cash can cut what you bring to closing. They are not a down payment, and most require the builder's lender.

$0 down is not available to every buyer or on every home. It depends on the loan program, your credit, income and the property, and closing costs or prepaid items may still be due. Only a licensed mortgage loan officer can tell you what you qualify for. I am a real estate broker, not a lender.

Current builder incentives

Special rates, closing cost help and flex cash.

Search by builder, neighborhood or price range. Each offer was checked on October 11, 2026 against the source linked on its card.

Perry Homes

Special rateFlex cash

Year End Sales Event: up to $55,000 in flex cash, and a 4.99% interest rate (5.178% APR) on a 30-year fixed-rate loan.

Where verified
The Highlands, Porter (homes from the $370s); Jubilee, Hockley (homes from the $530s and $730s)
Dates
Must close by December 31, 2026.
Qualifications
Subject to credit approval. Terms and restrictions apply. The Highlands lists the financing through Parkstone Mortgage or Crestmark Mortgage. Ask which parts of the offer apply to a specific home.

Verified October 11, 2026 · Source: The Highlands builder incentives

David Weekley Homes

Closing costsFinancing

50th Anniversary: save up to $25,000 in financing incentives and closing cost credits on a new home in the Houston area.

Where verified
The Highlands, Porter (homes from the $350s); Jubilee, Hockley (homes from the $290s and $370s)
Dates
Purchase between August 21 and December 31, 2026.
Qualifications
Must finance with Grace Home Lending. Amount varies by home.

Verified October 11, 2026 · Source: The Highlands builder incentives

David Weekley Homes

Flex cashFinancing

Employee Pricing: 7% of the base price, up to $40,000, in flex dollars toward a home discount, Design Studio selections, flex options or financing incentives.

Where verified
The Highlands, Porter (homes from the $350s); Jubilee, Hockley (homes from the $290s and $370s)
Dates
Purchase between September 1 and October 18, 2026. Ends October 18
Qualifications
Select Houston-area homes. Financing incentives are capped at $20,000 and require a loan from Grace Home Lending.

Verified October 11, 2026 · Source: The Highlands builder incentives

Drees Custom Homes

Flex cashClosing costsQuick move-in

Save up to $50,000, applied to Design Center upgrades, a lower price or financing, plus up to $10,000 toward closing costs.

Where verified
The Highlands, Porter (homes from the $650s)
Dates
Purchase agreement accepted October 1 to November 22, 2026. Quick move-in homes must close by December 22, 2026.
Qualifications
Requires financing with First Equity Mortgage. Quick move-in homes in select Houston communities and select build-to-order plans. Firm, non-contingent contracts only. Amount varies by community and plan, and not all borrowers qualify for the closing cost benefit. Cannot be combined with other offers.

Verified October 11, 2026 · Source: Drees October 2026 flyer

Beazer Homes

Flex cashClosing costs

Up to $25,000 in flex savings toward design selections, closing costs, a lot premium or a price adjustment, plus a move-in package (refrigerator, washer and dryer).

Where verified
The Highlands, Porter (homes from the $350s)
Dates
Contract signed September 1 to October 31, 2026. Ends October 31
Qualifications
To-be-built homes only. Closing cost credits require comparing loan estimates from Beazer Choice Lenders, and most require financing with one. Cannot be combined with other offers.

Verified October 11, 2026 · Source: The Highlands October 2026 flyer

Highland Homes

Special rate

5.25% fixed rate (6.016% APR), advertised for a limited time.

Where verified
Jubilee, Hockley (homes from the $310s and $590s)
Dates
Must close by November 23, 2026.
Qualifications
The community page marks this offer with conditions it does not list in full. Lender, loan type and eligible homes must be confirmed with the builder before you rely on it.

Verified October 11, 2026 · Source: Jubilee builder incentives

Tri Pointe Homes

Special rate

7/1 adjustable-rate loan with a 2-1 buydown: 4.00% in year one, 5.00% in year two and 6.00% in years three through seven. Advertised as 4.00% (6.828% APR) for the first year on select homes.

Where verified
Jubilee, Hockley (homes from the $400s)
Dates
Sales from October 1, 2026 to January 7, 2027. Must close within 60 days of purchase.
Qualifications
Requires a 20% down payment. This is an adjustable-rate loan, so the rate can change after year seven. Select homes only.

Verified October 11, 2026 · Source: Jubilee builder incentives

These are the builders' offers, not mine, and builders can change or withdraw them without notice. Not all buyers qualify. Rates and APRs are as advertised by each builder and its lender and depend on loan type, credit, down payment and the home. Starting prices are as shown on each community's website on October 11, 2026 and exclude lot premiums and options. Confirm every term in writing with the builder before you sign. Equal Housing Opportunity.

Quick move-in homes

Need to move soon?

Quick move-in homes are finished or close to it, and several of the offers above depend on closing by a set date: Drees by December 22, Highland by November 23 and Perry by December 31, 2026.

Builder inventory changes daily, so I do not publish a list that could be out of date by the time you read it. Tell me your price range and area and I will send you the homes that are available now, with the incentive that applies to each.

Call me before your first visit to a model home. Many builders require your agent to be registered on that visit. How I represent new-construction buyers.

Send Me Available Homes

Home Front Mortgage

Financing · Affiliated business

Compare the builder's lender with Home Front Mortgage.

Most builder incentives require the builder's own lender. A Home Front loan officer can review that offer with you, tell you whether a $0 down program fits, and give you a second Loan Estimate to compare.

Some agents and owners at Keller Williams Realty Northeast, including Michael O'Neal, have a business relationship with Home Front Mortgage, and a referral may provide them a financial or other benefit. You are not required to use Home Front Mortgage and are free to shop for any lender.

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