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Explore Owner Financed Land in Texas

It can be difficult to find the kind of financing needed to buy your own land. Our goal is to make it as easy and affordable for the buyer as possible. That is why we offer owner financing for Texas land on many of our properties.

What is owner financed land?

Owner financed land is also referred to as “seller financing” and is an alternate option to traditional bank financing. Through owner financing, you make the payment on the land directly to the seller of the property until the land purchase is paid off.

What are the down payment requirements for owner financing?

Typical down payment on an owner financing loan is 10% down. Because you are dealing directly with the seller, there might be some flexibility in the down payment.

What are the advantages of getting financing through the owner financing option?

There are a lot of advantages to purchasing seller financed land.

First, you will not have your credit checked which means that do not have to go through the process with the risk of not getting approved.

Another big advantage is that the closing costs may be lower because you are not involving a big financial institution. You are dealing directly with the seller.

Third, there is usually a lower down payment amount than you would get with a typical traditional bank financing loan.

Last, the process can go much quicker and smoother because there is less paperwork and no waiting for approval.

These are incredible advantages to owner financing which have the potential of making your dreams of owning land a reality.

Summary of Advantages to Owner Financing:

  • No credit checks
  • Low money down
  • Short wait to obtain land
  • Closing costs lower
  • Less paperwork

How Owner Financing Works at Texas Land

Eligible Property

View our properties. Once you find the perfect tract for you, contact us and we will be happy to go over the financing options with you.

Down Payment

With any land buying financing, you will need to be prepared to secure your investment with a down payment. The down payment for owner financing is low and usually averages about 10% of the purchase price of the tract you are buying.

Interest Rate

The interest rate on owner financing is fixed for the entire term of your loan which means that your payment will not go up. Just like with any other financing, the interest rate on owner financing loans can be affected by the market fluctuations but once you lock in an owner financing loan, it will stay fixed.


We divide out the payments over 30 years but terms are also flexible depending on your down payment amount.

Contact Us About Owner Financed Land

Frequently Asked Questions about Owner Financing

We have compiled a list of the most frequently asked questions about the owner financing option and we put in the work to get these questions answered.

Is there a prepayment penalty with owner financing?

With our owner financing loans, there is no prepayment penalty if you decide to pay off the loan early.

How much do I need to put down for owner financed land?

The down payment on the owner financing option is lower than your traditional bank financing option which usually asks for 15-20%. For the owner financing loan, the down payment amount is typically 10% of the purchase price.

Is there a credit check with owner financing through Texas Land?

With owner financing, your loan is approved without a credit check. The purpose of this is to allow everyone to have the same opportunity to buy land regardless of your credit.

Do all of your properties have an owner financing option?

All of our subdivisions offer tracts of land with owner financing options but not all of our tracts offer this option. These tracts go fast so if you find your dream property, don’t delay and contact us. We are happy to help you with your purchase.

If I qualify for both owner financing and a conventional loan through a bank, which one should choose?

There are many advantages to both options. If it comes down to the choice between the two for you, you need to do what is right for you and your situation. Texas Land can help you in this process and we are happy to answer any questions you have about the land buying and financing process.

Can you build on owner financed land?

Absolutely! The land is yours and it is now time to start living your dream. Don’t forget to check for any restrictions on the property before you build. Again, Texas Land can help you with that!

Why is the owner financing option a great option for me?

If you are a first-time land buyer or an experienced land buyer, owner financing is a great option for you. The process is easy and gives you a relatively quick way to get your land purchased.

Other Financing Options

Whether you are buying your first plot of Texas land or are a seasoned Texas land investor, we have the beautiful acreage and the financing options to make it possible for you to own land in Texas!

1. Bank

In order to qualify for bank financing the buyer will need good credit and good employment history. We have special relationships with our lenders. Contact us for a list of great lenders!

2. Capital Farm Credit

Capital Farm Credit is a customer-owned cooperative, providing financing to rural landowners, country homeowners, agricultural operators and agribusiness firms throughout Texas.

3. Texas Veteran Land Loan

This option is offered to veterans who are residents in Texas. Learn more about the Texas Veteran Land Loan option.

Texas Owner Financing Land for Sale

Browse our properties to see which ones have the option for owner financing and let us know if you have any questions. We would love to talk with you about owning your own piece of the great state of Texas!

Owner Financing Available Properties