Top Mistakes First-Time Home Buyers Make in Texas (and How to Avoid Them)

Discover the most common first-time home buyer mistakes and how to avoid them—plus tips for finding the right home in Central Texas.

Mitchell James
June 4, 2025
3 minutes

Buyers Make — And How to Avoid Them

Buying your first home is exciting—but it also comes with a steep learning curve. The process is filled with decisions that can have long-term consequences, especially if you're not prepared. In this guide, we’ll walk through the most common first time home buyer mistakes and how you can avoid them—so you feel confident and equipped every step of the way.

Whether you're shopping in Austin, Seguin, New Braunfels, or anywhere in between, these tips will help you navigate the journey wisely.

Not Understanding the True Costs of Homeownership

One of the biggest first time home buyer expenses in Texas is realizing that the price tag on Zillow doesn’t tell the whole story.

Common overlooked costs:

  • Property taxes (often 1.8–2.5% in Central Texas)
  • Homeowners insurance
  • HOA fees
  • Maintenance and repairs
  • Utility setup costs

Having a home maintenance budget and understanding these expenses early will help you avoid being house-poor.

Skipping the Pre-Approval Process

It’s tempting to start browsing homes right away, but one of the most important first time home buyer tips is to get pre-approved before you shop.

Pre-approval gives you:

  • A clear picture of what you can afford
  • Stronger negotiating power with sellers
  • Faster closing once you find the right home

Skipping this step can lead to disappointment—or worse, losing out on the perfect property because your financing isn't in order.

Failing to Budget for Closing Costs and Fees

Your down payment isn’t the only money you’ll need at the closing table. Closing costs can range from 2%–5% of the home’s purchase price, and include:

  • Title fees
  • Appraisal and inspection
  • Loan origination fees
  • Prepaid taxes and insurance

Use a first time home buyer checklist Texas to track what you’ll need to save—so there are no surprises when you’re ready to close.

Choosing the Wrong Type of Home

It’s easy to fall in love with the look of a home—but is it right for your lifestyle, budget, and maintenance comfort level?

Many first-time buyers overspend on:

  • Fixer-uppers they can’t realistically renovate
  • Too much square footage (higher utility + upkeep)
  • Homes with hidden issues not visible at walkthrough

Move-in ready homes in Central Texas offer a great solution: modern finishes, low maintenance, and no renovation headaches. They’re especially smart for families and first-timers who want simplicity and predictability.

Not Researching the Neighborhood

The home might be perfect—but what about the area? One of the most critical pieces of first time home buyer advice is to research where you’re buying, not just what.

Look into:

  • School ratings
  • Commute times
  • Local taxes and fees
  • Safety and walkability
  • Community growth trends

Central Texas has fast-growing neighborhoods with great schools, family-friendly amenities, and strong long-term investment potential. Make sure you explore more than just the photos.

How to Avoid These First-Time Home Buyer Mistakes

Avoiding first time home buyer mistakes is possible when you approach the process with preparation and clarity.

Here’s how:

  • ✅ Get pre-approved before touring homes
  • ✅ Work with a builder or agent who values transparency
  • ✅ Use a first-time buyer checklist to track steps and documents
  • ✅ Understand the total cost of ownership
  • ✅ Consider move-in ready options to eliminate renovation stress
  • ✅ Choose a location that fits your long-term plans

At COAH Homes, we believe buying your first home shouldn’t be overwhelming. That’s why we build move-in ready homes designed for real life—so you can move forward confidently, with fewer unknowns.

Conclusion

Buying your first home is a huge milestone—but it doesn’t have to be intimidating. By learning the common mistakes first time home buyers make, and preparing wisely, you’ll set yourself up for success.

Ready to take the next step? Let COAH Homes help you find a move-in ready home that’s perfect for your needs, timeline, and budget.

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Mitchell James
Project Maneger, COAH Homes