How It Works
Three simple steps to understand your homeownership readiness
Answer some quick questions
Tell us about your income, credit, savings, and homebuying timeline. Takes just 3 minutes.
Get your readiness score
Instantly see your 0-100 score, recommended loan path, DPA eligibility, and maximum buying power.
See personalized next steps
Get specific recommendations to improve your readiness with scenario projections.
Why First Home AI is Different
Unlike Zillow and Rocket Mortgage which only show affordability, we tell you if you're ready to buy and what you should focus on to improve your ability to purchase a home!
Readiness Score
Get a 0-100 score showing if you're ready to buy, not just affordability
DPA Eligibility
Automatic Texas down payment assistance calculation
Scenario Projections
See how your readiness improves over time
Texas-Specific
County loan limits and local DPA programs, not generic estimates (More states in 2026!)
Path-Aware
Detects your optimal loan path with custom recommendations
Frequently Asked Questions
How is this different from Zillow's calculator?
Zillow shows "How much can I afford?" We show "Am I ready?" with readiness scoring (0-100), DPA eligibility detection, and scenario projections to help you improve over time.
Is this really free?
Yes, 100% free. No credit check, no hidden fees, no account required. We make money through optional lender referrals (only if you choose to connect after seeing your results).
How do you calculate DPA eligibility?
We automatically check your eligibility for Texas down payment assistance programs (TDHCA, TSAHC, city programs) based on your income, credit score, employment history, and county location.
Is my personal and financial data secure?
Yes, we use bank-level encryption and never share your information with third parties without your approval. Your data is stored securely and only used to provide personalized homeownership recommendations.
How accurate are the AI predictions and simulations?
Our AI analyzes real-time market data from Texas A&M Real Estate Research Center, NAR, and local MLS systems. While no prediction is 100% certain, our simulations will help users make informed decisions with incredible accuracy in affordability projections.
What if I don't qualify for down payment assistance programs?
Our platform identifies multiple pathways to homeownership. If traditional assistance doesn't fit, we'll show alternative options like builder incentives, first-time buyer programs, or adjusted timeline strategies to help you reach your goal.
Do I need perfect credit to use First Home AI?
Not at all! Our platform works with all credit ranges and shows you specific steps to improve your homeownership readiness, regardless of your starting point.
Ready to discover your homeownership readiness?
Take the free 3-minute assessment and get your personalized score
Your information is secure and will never be shared
Trusted by Texas First-Time Buyers
Join 1,000+ Texans who've discovered their homeownership readiness
"I had no idea I qualified for down payment assistance. First Home AI showed me exactly what to do next."
Sarah M., Dallas, TX
"Finally, a tool that tells me if I'm ready, not just how much I can borrow. The scenario planner is amazing!"
Marcus J., Houston, TX
"Way better than Zillow's calculator. This actually gave me a roadmap, not just a number."
Jennifer L., Austin, TX