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Owner Financed Land for Sale in Texas

Elegment Land sells and finances its own land across Texas, from East Texas lake lots to homesites near Lake Somerville and acreage in Central Texas. Most of our Texas lots offer owner financing, with typically 10% to 30% down, no credit check, and monthly payments to us instead of a bank. The deed is recorded in your name at closing.

Deed in your name at closing · No credit check on lots we finance · No prepayment penalty

Call or Text 970-420-2440

How does owner financing work on Texas land?

You buy directly from us and we carry the loan. Pick a lot and reserve it for $900, which counts toward your price. Pay the rest of the down payment and sign, and we record a deed in your name. We hold a deed of trust until the land is paid off. You pay us monthly, you can build and live on the land while you pay, and you can pay it off at any time with no penalty.

Owner financed Texas lots for sale

Every lot below is in Texas and sold with our own payment plan. Each lot page shows the cash price, down payment, monthly payment and number of months.

57 Listings

Where we have owner financed land in Texas

Our Texas land is spread across five parts of the state. Lots sell and new land is added all the time, so the lots above always show what is available.

  • Lake Somerville (Burleson County): Wooded homesites of about half an acre to 1.5 acres, with post oaks, engineered road access and power, a few minutes from the lake.
  • East Texas lakes (Polk, Trinity, Tyler, Newton, Cherokee, Smith and Wood counties): Smaller lake-community lots near Lake Livingston, Lake Sam Rayburn and other East Texas lakes, many with electric and water available, plus wooded acreage.
  • Central Texas and the Hill Country (Limestone, Hill, Bandera and Blanco counties): Acreage with power and water meters, lots near Lake Whitney, and Hill Country homesites and ranch land.
  • Coastal and South Central Texas (Jackson and Lavaca counties): RV lots with hookups near Palacios on the coast, and acreage with live oaks about 1.5 hours from Katy.
  • Texas Panhandle (Moore and Donley counties): Lots with utilities near Lake Meredith and Amarillo.

What does owner financed land cost in Texas?

It depends mostly on size and location. Small lake-community lots are the easiest place to start, while homesites and acreage take a larger down payment and a longer plan. Here is what our Texas land usually costs.

Cash price Typical land Typical down payment Typical term Typical monthly payment
Under $15,000 Lake-community lots, usually under half an acre $2,000 to $5,000 5 years About $160 to $290
$15,000 to $50,000 Lots up to about an acre $3,000 to $10,000 5 to 20 years About $350 to $830
$50,000 to $110,000 Homesites around an acre and tracts up to about 5 acres $5,000 to $22,000 10 to 25 years About $640 to $980
$110,000 and up Acreage of 5 acres or more $10,000 to $50,000 About 20 years About $1,100 to $1,500

Say you buy a $9,900 lake lot with $2,900 down. You finance $7,000 at 10% over 5 years and pay $178.73 a month. On a $59,900 homesite with $8,900 down, you finance $51,000 at 10% over 10 years and pay $703.97 a month. Both payments include principal, interest and processing. Our interest rate is typically 10% to 12%, and each lot page shows its exact terms.

Is owner financing the same as a contract for deed?

No. With a contract for deed, the seller keeps the title until the last payment, so the buyer does not own the land while paying. We do it differently. The deed is recorded in your name at closing, and we hold a deed of trust until the balance is paid. The land is yours from day one.

What to check before buying land in Texas

Texas land comes with a few things to plan for. Here is what we walk through with every buyer.

  • Rules. Most rural Texas land is outside city limits, where counties generally do not zone. What you can build or park is set mostly by deed restrictions and community rules. Each lot page lists its RV and home rules.
  • Septic. A septic system needs a permit from the county or its authorized agent. Some of our lots are already soil tested, and the lot page says so.
  • Water. Some lots have a water meter or water at the road. Others need a well.
  • Road access. Whether the lot is on a county-maintained road or a private community road.
  • Flood zones. Check the FEMA flood map, and ask us what we know about any lot.
  • Taxes and dues. You pay property taxes each year as the owner, plus yearly POA dues in some lake communities. Each lot page shows the most recent annual tax amount.

More ways to shop Texas land

Browse all of our Texas land for sale, including cash-only lots, or shop by use with our RV lots for sale and mobile home lots. You can also shop by monthly payment or see why lots we finance need no credit check. For the full details on our terms, read how our owner financing works.

Every Elegment listing includes

  • The cash price and, on financed lots, the down payment, monthly payment and number of months
  • GPS corner coordinates and a map link so you can walk the boundary yourself
  • Utilities, access and the rules for RVs and homes
  • The most recent annual property taxes
  • A deed recorded in your name at closing
  • Surveys and county plat maps when available

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What our buyers say

Quick, Affordable, No Hassle!

My purchase was quick, no hassle, and affordable.

Sabrina B.
Land Owner from California
Rated 5 out of 5 stars

Exceptional Support for Out-of-Town Buyers

We live out of town and they help us pick and purchase the land we wanted

James Brown
Land Owner in Colorado
Rated 5 out of 5 stars

Texas owner financing questions buyers ask us

Do you offer owner financing on Texas land?

Yes. Most of our Texas lots offer owner financing, from small lake lots to acreage. Each lot page shows the down payment, monthly payment and number of months.

How much do I need down?

Typically 10% to 30% of the price. On our smaller Texas lots, the down payment is a set dollar amount, starting around $2,000. Your $900 reservation fee counts toward it.

Do you check credit?

No. We do not check credit on any lot we finance ourselves. If a lot page shows a monthly payment plan, it qualifies.

Can I put a mobile home or RV on the land?

On many of our Texas lots, yes. It depends on the deed restrictions for that lot or community, and each lot page lists its RV and home rules. Call or text us at 970-420-2440 if you want land for a specific use.

Who pays the property taxes while I am paying?

You do. The deed is recorded in your name at closing, so you are the owner and the tax bill comes to you. Each lot page shows the most recent annual tax amount.

What happens when I pay it off?

We record a release of lien with the county, and the land is yours free and clear. You can pay it off at any time with no prepayment penalty.

Your piece of Texas, on terms that fit

Pick a lot, reserve it for $900, and pay us monthly with the deed in your name from day one. Or call or text 970-420-2440 and tell us where in Texas you want to be.

Call or Text 970-420-2440