Owner Financed Land in Texas
Tell us what you are looking for
How owner financing works
Banks rarely lend on raw land, which is why a lot of land sells with seller financing. When a listing offers it, the seller sets the down payment, rate and term, and everything is written down before you sign.
The down payment and monthly payments go to the seller, not a bank.
Rate, term and payoff are written into the note.
Title, survey, access and the land's taxes.
And late fees, before you sign.
Texas land for sale (4)
Owner financing questions
How does owner financing on land work in Texas?
The seller carries the note instead of a bank: you pay a down payment and monthly payments to the seller under the terms in the note. Texas has its own rules for these sales, so read the note and get your own advice before you sign. This is general information, not legal advice.
Do I need good credit or a bank?
It depends on the listing. Where a listing offers seller financing, the seller sets the terms; otherwise it is a cash or bank-financed purchase.
How much is the down payment?
On listings with seller financing the down payment is set per listing. Ask about the one you like and we will tell you the terms.
What land offers it?
Some of our listings across Texas. Each listing says what its seller accepts.
Can I pay it off early?
Payoff terms are written into each financed sale. Ask before you sign and we will show you the note terms.
Looking to sell land with owner terms instead?
We also buy land, and can talk about a seller-finance purchase if that suits you. See how we buy land.
Looking to buy Texas land or a house?
See what is available right now, direct from the owner. New properties go to our buyer list first.
Browse available properties →