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.
Will you sell my data to a bunch of lenders?
No — and that's our Zero-Sell Policy. We never sell your data to lead aggregators or blast your contact info to a dozen loan officers competing to cold-call you. If you choose to connect with a lender after seeing your results, you are matched to a single vetted Texas lender who serves your county. That connection happens only with your explicit opt-in. Your data is encrypted in transit and at rest. Outside of your personalized analysis and any lender connection you explicitly opt into, your information is never shared with or sold to third parties.
Where does the AI get its data?
No black box. Our projections are grounded in three authoritative public sources: Texas A&M Real Estate Research Center (home appreciation and market trends), Freddie Mac PMMS (mortgage rate data), and NAR (national housing supply and demand signals). These data feeds are updated regularly and combined with your specific financial profile to generate your scenario simulations. Every projection includes a confidence range — we show you the math, not just a number.
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