How Much Does 10 Acres in Texas Cost With Owner Financing? Real Numbers (2026)

Every number from our video, checked: the two prices, the $5,940 down payment, $1,213 or $1,491 a month at a 10% APR, fixed, paying off early, and how it compares with a bank.

TerraFunded, Editorial team

Published: 2026-11-09 · Updated: 2026-11-10

Reviewed and approved by Rodrigo Blanco, Founder & CEO. Figures checked against our inventory on November 9, 2026.

As of November 2026, 10 acres of rural Texas land from TerraFunded costs $98,000 to $130,000 in cash. With owner financing, our Young County tract on Highway 79 is $118,800 financed ($99,000 cash): $5,940 down, then $1,213 a month for 15 years (180 payments) or $1,491 a month for 10 years (120 payments), at a 10% APR, fixed, with no bank involved. Add roughly $1,500 in title company closing costs, and you get in for about $7,400 total.

This article goes through every number in the video: the two prices, what you pay to get in, the monthly payment at both terms, paying off early, how it compares with a bank land loan, and what to budget for when you build. Every figure is checked against our public listings and the machine-readable inventory feed, and the full payment schedules are free to download.

Want to see the land? See every available tract with today's prices · View this 10-acre tract on Highway 79 · Call or text Andy at (214) 306-8153. Se habla español.

Watch the video

Watch on YouTube: How Much Does 10 Acres in Texas Cost With Owner Financing? Real Numbers (2026) (9:11)

Chapters

The example tract: 10 acres on Highway 79 in Young County

The tract in the video is lot 101 near Olney, Texas, in Young County. As of November 9, 2026:

Feature	This tract
Size	10 acres
Road	250 ft of frontage on paved Highway 79 (Throckmorton Highway)
Power	The power line runs along the road in front of each lot
Water	No well yet; buyers drill a private well (see planning to build)
Mineral rights	Included
Flood zone	FEMA Zone X, outside the mapped Special Flood Hazard Area
HOA and deed restrictions	None
Title	Clean title, no liens, confirmed by the title company; Warranty Deed at closing
Survey	Available
Location	About 5 minutes from Olney; Graham (Walmart, medical centers) is under 30 minutes away

With no HOA and no deed restrictions, the land is yours to use: build a home, place a mobile home or live in an RV while you build, camp on weekends, hunt, or keep animals. Some buyers build their family home, others want a weekend place outside the city, and some simply want to own land and hold it for the long term. No private restrictions does not mean no rules: public requirements still apply, such as a permit for the septic system and, for a new driveway onto a state highway, a TxDOT permit. Check with the county before you build.

How the price works: two prices on every tract

Every TerraFunded listing shows its own cash price and its own owner-financed price, and both are public before you ever talk to us. The difference is set per tract, typically about 20%; on this tract it is exactly 20%.

Cash price: $99,000. The discounted price if you pay in full at closing.
Owner-financed price: $118,800. The cash price plus 20%. This is the price we finance.

Paying cash saves $19,800 on this tract. Financing lets you own the land now instead of waiting years to save the full amount, and there is no bank in the process: we approve the financing ourselves.

Across our inventory today, cash prices for 10 acres run from $98,000 to $130,000. The current prices of every available tract are in the table further down, generated from the same feed that powers our listings.

What you need to get in: about $7,400

Two things, and nothing from a bank:

The down payment: 5% of the financed price. On this tract, $5,940. A $1,000 reservation takes the tract off the market; it is non-refundable and counts toward your down payment, so you pay the remaining $4,940 at closing.
Closing costs: about $1,500, paid to the title company for title work and recording.

That is about $7,400 in total. If you want a lower monthly payment, you can put down more: there is no maximum. At 10% down ($11,880 on this tract), the 15-year payment drops to $1,149.

Closing: the Warranty Deed is in your name that day

You close at a licensed Texas title company, and the Warranty Deed is recorded in your name at closing, not at the end of the loan.

Warranty Deed. It is the strongest kind of deed in Texas: the seller guarantees the title is clear and stands behind that guarantee.
Title search. The title company checks the title before closing. On this tract, the title is clear, with no liens.
Owner's title insurance policy. It protects you if a covered title problem shows up later.
Survey. Available, so you know exactly where your boundaries are.
Deed of Trust and Promissory Note. You sign a note for the financed balance, and we hold a deed of trust as the lien until the loan is paid, the same structure a bank mortgage uses.

You are not renting the land while you pay it off. It is yours from day one, on paper, in your name. We have closed more than 350 transactions this way since 2020. If you want to compare this structure with a contract for deed, read Warranty Deed vs Contract for Deed in Texas.

The monthly payment: 10% APR, fixed, 10 or 15 years

The rate is a 10% APR, fixed for the whole term. The payment you sign on day one is the payment you make at the end, whatever happens with market interest rates. The loan fully amortizes, so there is no balloon payment.

On this tract ($118,800 financed, $5,940 down, $112,860 financed balance):

Down payment	Term	Payments	Monthly payment	Total of payments	Total cost of the land*
$5,940 (5%)	15 years	180	$1,213	$218,304	$224,244
$5,940 (5%)	10 years	120	$1,491	$178,974	$184,914
$11,880 (10%)	15 years	180	$1,149	$206,814	$218,694
$11,880 (10%)	10 years	120	$1,413	$169,555	$181,435

*Down payment plus all monthly payments, before closing costs and property taxes. Payments are rounded to the dollar; the totals use the exact amortized payment.

15 years gives you the lowest payment. 10 years pays the land off sooner and costs about $39,000 less in total. Download the full schedules, every payment from the first to the last: 15-year schedule (CSV) and 10-year schedule (CSV).

Ready to run your own numbers? Every listing has a payment calculator with both terms: compare available tracts or open the Highway 79 tract. Questions? Andy answers at (214) 306-8153.

Paying it off faster: no prepayment penalty

There is no prepayment penalty. You can pay extra any month, and every extra dollar goes to what you owe; interest is charged only on the remaining balance.

Add $200 a month to the 15-year payment ($1,413 instead of $1,213) and the land is paid off in 133 payments instead of 180 (the last one partial): about 4 years sooner, with roughly $31,800 less paid in total.
Send a lump sum when you get a tax refund or a bonus.
Refinance or pay in full with cash or a bank loan whenever you are ready. Nothing in the contract stops you.

The idea is simple: owner financing gets you in today, and you decide how fast you finish.

Owner financing vs a bank land loan

Banks do lend on raw land, but it is a different product from a home mortgage. For raw land, lenders typically ask for 20% to 50% down (Redfin), and raw land loans commonly run around 8% to 11% interest (Mossy Oak Properties). You also go through a credit review, an appraisal and the bank's own closing costs.

	Bank land loan (typical)	TerraFunded owner financing (this tract)
Down payment	20% to 50%; at 30% on the $99,000 cash price, $29,700	$5,940 (5% of the financed price)
Rate	Around 8% to 11%	10% APR, fixed
Approval	Credit review and underwriting	Directly from the seller, no bank
Appraisal	Usually required	Not required
Price	Cash price	Financed price, published per listing ($118,800 here, 20% above cash)
Prepayment	Depends on the lender	No penalty

If you have the cash and qualify for a bank, a bank land loan usually costs less in total, and we say so. If you want to get in with less money down and no bank approval, owner financing is the path, and you can refinance with a bank later at no penalty. If you are a Texas veteran, check the Texas Veterans Land Board first: its land loan program is hard to beat. For a deeper comparison, see owner financing vs a bank mortgage for Texas land.

Planning to build: water, septic and taxes

When you are ready to build, plan for these costs, none of which are in the price:

Power is already at the road in front of the lot; you pay the utility for the connection.
Water. Like most rural Texas land, this tract uses a private well drilled by a local driller. Area groundwater is estimated at roughly 400 ft deep; depth and results vary and are not guaranteed, so confirm with neighbors or a licensed well driller before you plan around it.
Septic. A home needs a septic system, standard anywhere in rural Texas without city sewer. See septic systems on rural Texas land.
Property taxes are low today because of the land's agricultural history: about $180 a year on this tract. Agricultural valuation does not transfer automatically to a new owner; you apply with the county appraisal district, and the county sets taxes every year. Taxes are paid by the owner directly to the county; they are not part of the monthly payment. More in property taxes on 10 acres in Texas.

How buying works, step by step

Browse our listings at terrafunded.com/marketplace or call us.
See the land. Visits can be arranged any day of the week.
Choose your tract, your down payment and your term.
Close at the title company; the Warranty Deed goes in your name.
Pay monthly, and pay extra whenever you want.

No bank, and no loan application with a lender. The full process is in how to buy owner-financed land in Texas, step by step.

More video answers. How owner financing works, term by term, with the payment rebuilt step by step · Warranty Deed vs contract for deed in Texas · How to verify a Texas land seller before sending money · Esta guía en español, con su propio video · The complete guide to owner-financed land in Texas

Prices and payments today

The table below lists every tract available right now, with the same figures our listings show. Video figures are fixed as of November 9, 2026; this table updates with the inventory.

Available TerraFunded tracts as of November 10, 2026. Payments at the minimum down payment, 10% APR, fixed; 180 payments (15 years) or 120 payments (10 years). Live data: terrafunded.com/api/properties.json.
Tract	County	Cash price	Financed price	Down payment	Monthly, 15 years	Monthly, 10 years
Wichita Falls (10 acres)	Clay	$98,000	$117,576	$6,000	$1,199	$1,474
Olney (10 acres)	Young	$99,000	$118,800	$5,940	$1,213	$1,491
Promised Valley (10 acres)	Young	$99,000	$117,576	$6,000	$1,199	$1,474
Marshall (10 acres)	Harrison	$110,000	$132,000	$6,600	$1,348	$1,657
Linden (10 acres)	Cass	$112,500	$137,187	$7,000	$1,399	$1,720
Winnsboro (10 acres)	Franklin	$120,000	$143,701	$7,000	$1,469	$1,807
Franklin 1 (10 acres)	Franklin	$120,000	$143,701	$7,000	$1,469	$1,807
Titus (10 acres)	Titus	$120,000	$137,187	$7,000	$1,399	$1,720
Lakeview (10 acres)	Titus	$122,400	$146,993	$7,500	$1,499	$1,843
Moccasin (10 acres)	Coryell	$130,000	$156,799	$8,000	$1,599	$1,966

Frequently asked questions

How much does 10 acres cost in Texas with owner financing?

As of November 2026, TerraFunded's 10-acre tracts cost $98,000 to $130,000 in cash. Each listing publishes its own owner-financed price, typically about 20% above the cash price. On the Young County tract on Highway 79, that is $118,800 financed, with $5,940 down and $1,213 a month for 15 years at a 10% APR, fixed.

How much money do I need to buy 10 acres with owner financing?

On the Young County tract, about $7,400: the $5,940 down payment (5% of the financed price, which includes the $1,000 reservation) plus roughly $1,500 in title company closing costs.

Is there a balloon payment?

No. The loan fully amortizes over 10 or 15 years, so the last regular payment is the last payment.

Can I pay it off early?

Yes, with no prepayment penalty. Adding $200 a month to the 15-year payment on this tract pays it off about 4 years sooner. You can also pay in full with cash or a bank loan at any time.

Do I own the land while I am paying?

Yes. The Warranty Deed is recorded in your name at closing. We hold a deed of trust as the lien until the loan is paid, the same way a bank holds a mortgage.

Is owner financing more expensive than a bank loan?

In total cost, usually yes, if you qualify for a bank: the financed price is higher than the cash price (20% on this tract). What it buys you is a lower down payment, approval without a bank, no appraisal, and a faster closing.

Are property taxes included in the monthly payment?

No. You pay property taxes directly to the county as the owner. On this tract they are about $180 a year today; the county sets them every year.

Sources and method

Prices, payments and tract details: TerraFunded listings and the public inventory feed at terrafunded.com/api/properties.json, checked November 9, 2026. Dated snapshot: inventory as of November 9, 2026 (CSV).
Payment math: standard fixed-rate amortization, payment = balance × r ÷ (1 − (1 + r)^−n), with r = 10% ÷ 12 and n = 120 or 180 monthly payments. The full schedules are downloadable above, so every figure can be reproduced.
Bank land loans: down payments of 20% to 50% (Redfin); raw land loan rates around 8% to 11% (Mossy Oak Properties). Your bank's terms may differ.
Veterans: Texas Veterans Land Board.
Company facts: About TerraFunded and how to verify TerraFunded before you pay.

This page explains our general financing terms and one example tract. Prices and availability change; the terms of any purchase are the ones in your contract documents.

Full video transcript

[0:01] What does it take to own 10 acres in Texas? With TerraFunded, it starts with $5,940 down and $1,213 a month. No bank required. You get the deed in your name at closing.

[0:16] That's our Young County tract on Highway 79. 5% down, 10% APR, fixed, for 15 years, or 10 years if you'd rather finish sooner. The price is $118,800 with owner financing. Pay cash and it's $99,000.

[0:37] In this video, I'll show you what you can do with the land, how the price works, what you need to get in, your monthly payment, how to pay it off faster, and how this compares with a bank.

[0:49] This is TerraFunded. We've sold rural Texas land in 10-acre tracts since 2020, more than 350 transactions, from Dallas. All our listings with prices and payments are at terrafunded.com.

[1:09] First, picture it. 10 acres, no HOA, and no deed restrictions. You can build your home. You can bring a mobile home or an RV while you build. You can spend your weekends camping, hunt, or keep a few animals, or simply have a place that's yours away from the city. It's your land. You decide what it becomes.

[1:31] This tract has 250 feet of frontage on paved Highway 79. It's about 5 minutes from Olney. Electricity is already at the road in front of every lot. The mineral rights are included, and it's outside the flood zone.

[1:48] It's in a good spot, too. Olney has grocery stores, restaurants, pharmacies and banks, so the everyday things are close. Highway 79 connects you to the rest of the area, and Graham, with its Walmart and medical centers, is a short drive away. Out here, the land rolls a little. Mature trees, open pasture, wide sky. Quiet, but not isolated.

[2:16] Some people buy land like this to build their family's home. Others want a weekend place outside the city, a place to hunt, room for horses and animals, and some simply want to own land and hold it for the long term. Whatever your reason, 10 acres gives you room for it.

[2:41] Now, how the price works. Across all our listings, 10 acres runs between $98,000 and $130,000 cash, as of November 2026. And every tract has two prices. With owner financing, this tract is $118,800. Pay cash and it's $99,000. So paying cash saves you $19,800.

[3:11] Financing lets you own land now. You don't have to wait years to save the full amount. And there's no bank in the middle. We're the lender. You deal with us from the first call to the last payment.

[3:24] To get in, you need two things. First, the down payment, 5% of the financed price. On this tract, that's $5,940. Second, about $1,500 in closing costs paid to the title company. So about $7,400 in total. Want a lower monthly payment? You can put down more, up to 10%.

[3:58] You close with a licensed Texas title company. The Warranty Deed goes in your name that same day. A Warranty Deed is the strongest kind of deed in Texas. The seller guarantees the title is clear and stands behind it.

[4:15] The title company checks the title before closing. On this tract, the title is clear, with no liens. You also get an owner's title insurance policy. It protects you if a covered problem ever shows up later. And a survey is available, so you know exactly where your boundaries are.

[4:34] We've done this more than 350 times since 2020. You're not renting the land while you pay it off. It's yours from day one, on paper, in your name.

[4:49] Now, the monthly payment. The rate is 10% APR, fixed, and you choose the term. 15 years, $1,213 a month. 10 years, $1,491 a month. Fixed means it never goes up. The payment you sign on day one is the same payment you make at the end, no matter what happens with interest rates. Put 10% down instead of 5, and the 15-year payment drops to $1,149.

[5:25] 15 years gives you the lowest payment. 10 years pays the land off sooner. And either way, you're never locked in. There's no prepayment penalty. None.

[5:37] You can pay extra any month. Every extra dollar goes straight to what you owe. Add $200 a month to the 15-year payment, and you own your land outright about 4 years sooner. You can send extra when you get a tax refund or a bonus, or build equity for a few years, then pay us off in full with cash or a bank loan whenever you're ready. The idea is simple. Owner financing gets you in today. You decide how fast you finish.

[6:13] How does this compare with a bank? Banks do lend on raw land, but it's a different product from a home mortgage. For raw land, most lenders ask for 20 to 50% down. Rates typically run around 8 to 11%, and you'll go through a credit review, an appraisal, and the bank's own closing costs.

[6:36] On this tract, 30% down would be $29,700 at closing, plus the bank's fees. With us, it's $5,940 down, plus the title company's closing costs. If you have the cash and the credit, a bank works. If you want to get in with less money down and no bank approval, this is the path. And you can always refinance later, with no penalty for paying us off.

[7:11] When you're ready to build, here's what to plan for. Power is already at the road. Water is handled the way most rural Texas properties handle it, with a private well drilled by a local driller who knows the area. For a home, you'll add a septic system. That's standard anywhere in rural Texas without city sewer. And property taxes are low today, thanks to the land's agricultural history. The county sets them every year. Call us and we'll walk you through it before you buy.

[7:45] Here's how buying works, step by step. One, browse our listings at terrafunded.com or call us. Two, come see the land. Our realtors can show it to you any day of the week. Three, choose your tract, your down payment and your term. Four, close at the title company, and the deed goes in your name. Five, make your monthly payment, and pay extra whenever you want. That's it. No bank, and no loan application with a lender.

[8:24] So, in short: $5,940 down plus closing costs, $1,213 a month for 15 years, 10% APR, fixed, no bank, no prepayment penalty, and the deed in your name at closing. Pay cash and it's $99,000.

[8:48] If you want to see this land or any of our tracts, call Andy at 214-306-8153. He answers the phone himself. Or visit terrafunded.com to see all the land we have available.

Page history

November 10, 2026: Down payment: there is no maximum (it said up to 10%). Added links to the new video answers and to the Spanish version of this page.
November 9, 2026: Clarified that each listing sets its own financed price (typically about 20% above cash; exactly 20% on this tract), FEMA Zone X wording, public permits that still apply, and links to the listings.
November 9, 2026: Published with the video. Figures checked against the inventory feed on November 9, 2026.