Owner Financed Land for Sale in Texas: Prices, Down Payments and Monthly Payments (November 2026)

Rodrigo Blanco, Founder & CEO of TerraFunded

Published: 2026-11-11 · Updated: 2026-11-11

Figures checked against our inventory on November 11, 2026.

Owner financed land for sale in Texas, as of November 2026: TerraFunded has 10 tracts in 7 counties, each at least 10.01 acres, from $98,000 to $130,000 cash. With owner financing, the minimum down payment runs from $5,940 to $8,000 and the monthly payment from $1,199 to $1,599, for 180 payments at a 10% APR, fixed. Every sale closes at a licensed title company, with a Warranty Deed in your name at closing, and the approval is without a bank.

The table below comes from our live list, so it changes when a tract sells or a new one comes in. The video walks the same tracts region by region, as of November 11, 2026.

Available TerraFunded tracts as of November 12, 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
Promised Valley (10 acres)	Young	$99,000	$117,576	$6,000	$1,199	$1,474
Olney (10 acres)	Young	$99,000	$118,800	$5,940	$1,213	$1,491
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

Watch the video

Watch on YouTube: Owner Financed Land for Sale in Texas: Prices, Down Payments and Monthly Payments (November 2026) (11:29)

Chapters

The tracts, by region (November 2026)

All payments below are at the minimum down payment, for 180 payments at a 10% APR, fixed.

North Texas, a little under two hours from Fort Worth. Open country: wide pasture and the lowest prices on the list.

Clay County, 10 minutes from Wichita Falls: $98,000 cash, or $6,000 down and $1,199 a month.
Olney, Young County, with 250 feet of paved frontage on Highway 79 and power along the road: $99,000 cash, or $5,940 down and $1,213 a month.
Promised Valley, Olney, Young County, a group of 19 tracts with a gated entrance: $99,000 cash, or $6,000 down and $1,199 a month. Ask Andy how the gate and the road work there.

Northeast Texas, about two hours east of Dallas. More trees.

Winnsboro, Franklin County, two tracts on a paved road that mix pasture and woods: $120,000 cash each, or $7,000 down and $1,469 a month.
Mount Pleasant, Titus County, with 615 feet on a paved county road and fiber internet at the road: $120,000 cash, or $7,000 down and $1,399 a month.
Pittsburg, Titus County (listed on the site as Lakeview): $122,400 cash, or $7,500 down and $1,499 a month.

East Texas, hardwoods and open pasture, farther out.

Marshall, Harrison County, about two hours and 45 minutes from Dallas: $110,000 cash, or $6,600 down and $1,348 a month.
Linden, Cass County, about three hours from Dallas, on a dirt road (drive it before you decide): $112,500 cash, or $7,000 down and $1,399 a month.

Central Texas.

Moccasin Bend Road, Gatesville, Coryell County, a paved road just north of Gatesville, about two hours from Austin, rolling pasture with live oaks and stock ponds: $130,000 cash, or $8,000 down and $1,599 a month.

How to choose: compare five things

Distance: how often will you really drive there?
The road: paved or dirt, and how many feet of frontage.
Power: where the nearest line is, and what the utility says a connection will cost.
Water: look up the wells drilled nearby in the free Texas Well Atlas. It shows how deep they went and an estimate of what a well there might cost.
The county: our free county rules map shows each county's rules for septic systems, water wells, electricity, mobile homes and RVs, with the official source for each one.

Then look at the land itself: pasture, woods or a mix, and whether it has a pond. Seven of the 10 tracts have their own video on the listing.

What every tract has in common, and what to check

At least 10.01 acres, no HOA and no known deed restrictions. That doesn't make every use automatic: a house, a manufactured home, an RV or hunting still depend on county and state rules and on the land itself, so confirm your plan before you buy.
No septic system installed, and most need a private well. Budget for both.
Flooding: check the FEMA flood map for the tract you like and ask us what its survey shows. Being outside a mapped flood zone doesn't mean zero flood risk.
Minerals: each listing says what we know about the mineral rights. Ask for the exact wording that will go in your deed, because it's different from tract to tract.

The financing, and the cash you need to start

Every tract has two prices: the cash price and a higher financed price. On the Marshall tract, that's $110,000 cash or $132,000 financed. The minimum down payment is about 5% of the financed price, and you can put down more: more down means a lower payment. The rate is the same 10% APR, fixed, on every tract.

You choose 180 payments, or 120 if you want to finish sooner. On Marshall: $6,600 down, then $1,348 a month for 180 payments, or $6,600 down, then $1,657 a month for 120 payments, at a 10% APR, fixed. There's no balloon payment and no prepayment penalty.

Cash to start, on Marshall: the $6,600 down payment plus about $1,500 in closing costs, about $8,100 in total. The $1,000 reservation is part of that down payment, not an extra charge: you pay $1,000 to reserve and the other $5,600 at closing.

We review credit as part of the application, but it isn't the deciding factor, and you can apply with a Social Security number or an ITIN. Your monthly payment doesn't include property taxes: you pay those to the county every year. If you're weighing a bank loan instead, see owner financing vs a bank loan, with real numbers.

How to buy, step by step

Pick a tract and go see it.
Reserve it with $1,000 at terrafunded.com. It counts toward your down payment and it's non-refundable, so see the land first.
The application. We ask for a valid government ID, a Social Security number or an ITIN, your contact information and how you'll pay.
Closing at a licensed Texas title company. You send the rest of the down payment and the closing costs to the title company's escrow account, never to a person. You receive the Warranty Deed in your name, and the title company records it with the county.
Your monthly payments start, and you can start using your land.

More detail on each step: closing on owner-financed land, step by step.

Questions we get every week

What's the lowest price you have? $98,000 cash, in Clay County near Wichita Falls: $6,000 down, then $1,199 a month for 180 payments, at a 10% APR, fixed.

Is there owner financed land near Dallas? Our closest tracts are about two hours away: Franklin and Titus counties east of Dallas, and Young and Clay counties from Fort Worth. See owner financed land near Dallas for the measured drive times.

Do I get the deed at closing? Yes, a Warranty Deed in your name.

Can I buy from another state or another country? In many cases, yes, with a Social Security number or an ITIN. Tell us about your case.

Can I put a mobile home or an RV on it? There's no HOA and there are no known deed restrictions; confirm your plan with the county and the septic permitting office.

What if I pay cash? You pay the cash price, which is lower than the financed price.

Want to see one of these tracts?

Andy can show it to you any day of the week: call or text 214-306-8153. Se habla español. Every tract, with photos, maps and today's prices, is at terrafunded.com.

Full video transcript

[0:01] Looking for owner financed land for sale in Texas? Here's what we have today, starting with three tracts. Our lowest price: a tract in Clay County, 10 minutes from Wichita Falls, at $98,000 cash, or $6,000 down and $1,199 a month for 180 payments, at a 10% APR, fixed. Our lowest down payment: a tract near Olney, in Young County, with paved frontage on Highway 79, at $99,000 cash, or $5,940 down and $1,213 a month for 180 payments, at a 10% APR, fixed.

[0:46] And in East Texas, hardwoods and pasture near Marshall: $110,000 cash, or $6,600 down and $1,348 a month for 180 payments, at a 10% APR, fixed. As of November 2026, we have 10 tracts in seven counties, each at least 10.01 acres, from $98,000 to $130,000 cash. Every sale closes at a licensed title company, with a Warranty Deed in your name at closing, and the approval is without a bank. The full table is on screen and at terrafunded.com.

[1:29] In this video, we help you choose.

[1:32] This is TerraFunded, from Dallas. We've sold rural Texas land with owner financing since 2020, more than 350 transactions, and every one closes at a licensed title company.

[1:52] Three tracts in North Texas, a little under two hours from Fort Worth. This is open country: wide pasture, big sky and the lowest prices on our list, $98,000 and $99,000 cash. The Clay County tract is the closest to a city: 10 minutes from Wichita Falls. Near Olney, in Young County, one tract has 250 feet of paved frontage on Highway 79, with power along the road.

[2:20] The other is in Promised Valley, a group of 19 tracts with a gated entrance. Ask Andy how the gate and the road work there.

[2:34] Four tracts in Northeast Texas, in Franklin and Titus counties, about two hours east of Dallas. Here you get more trees. Just outside Winnsboro, two tracts on a paved road mix pasture and woods. Near Mount Pleasant, a tract has 615 feet on a paved county road, with fiber internet at the road. And there's one more near Pittsburg. In this area, cash prices run from $120,000 to $122,400, with $7,000 to $7,500 down and monthly payments from $1,399 to $1,499, for 180 payments, at a 10% APR, fixed.

[3:26] Two tracts of hardwoods and open pasture, farther out. Marshall, in Harrison County, is about two hours and 45 minutes from Dallas. Linden, in Cass County, is about three hours. Marshall is the tract from the start of this video. Linden is $112,500 cash, or $7,000 down and $1,399 a month for 180 payments, at a 10% APR, fixed. It sits on a dirt road, so drive it before you decide.

[4:07] One tract on Moccasin Bend Road, a paved road just north of Gatesville, in Coryell County, about two hours from Austin. It's rolling pasture with live oaks and stock ponds, and it's the highest price on our list: $130,000 cash, or $8,000 down and $1,599 a month for 180 payments, at a 10% APR, fixed.

[4:42] Every tract is at least 10.01 acres. None has an HOA, and none has known deed restrictions. That doesn't make every use automatic: building a house, placing a manufactured home, living in an RV or hunting still depend on county and state rules and on the land itself, so confirm your plan before you buy. None has a septic system installed, and most need a private well, so budget for both.

[5:12] On flooding: check the FEMA flood map for the tract you like and ask us what its survey shows. Being outside a mapped flood zone doesn't mean zero flood risk. And on minerals: each listing says what we know about the mineral rights. Ask for the exact wording that will go in your deed, because it's different from tract to tract.

[5:40] Compare five things. Distance: how often will you really drive there? The road: paved or dirt, and how many feet of frontage. Power: where the nearest line is, and what the utility says a connection will cost. Water: look up the wells drilled nearby in the Texas Well Atlas, at terrafunded.com/wells. It shows how deep they went and an estimate of what a well there might cost. And the county: our county rules map, at terrafunded.com/counties, shows each county's rules for septic systems, water wells, electricity, mobile homes and RVs, with the official source for each one.

[6:25] Both tools are free. Then look at the land itself: pasture, woods or a mix, and whether it has a pond. Seven of the 10 tracts have their own video on the listing. Want to see one of these tracts? Andy can show it to you any day of the week: call or text 214-306-8153.

[6:55] Every tract has two prices: the cash price, and a higher financed price. On the Marshall tract, that's $110,000 cash or $132,000 financed. The minimum down payment is about 5% of the financed price, and you can put down more: more down means a lower payment. The rate is the same 10% APR, fixed, on every tract. You choose 180 payments, or 120 if you want to finish sooner: on Marshall, $6,600 down, then $1,657 a month for 120 payments, at a 10% APR, fixed.

[7:37] There's no balloon payment and no prepayment penalty. So how much cash do you need to start? On Marshall, the $6,600 down payment plus about $1,500 in closing costs: about $8,100 in total. The $1,000 reservation is part of that down payment, not an extra charge: you pay $1,000 to reserve and the other $5,600 at closing. We review credit as part of the application, but it isn't the deciding factor, and you can apply with a Social Security number or an ITIN.

[8:15] Your monthly payment doesn't include property taxes: you pay those to the county every year.

[8:27] One: pick a tract and go see it. Two: reserve it with $1,000 at terrafunded.com. It counts toward your down payment and it's non-refundable, so see the land first. Three: the application. We ask for a valid government ID, a Social Security number or an ITIN, your contact information and how you'll pay. Four: closing at a licensed Texas title company. You send the rest of the down payment and the closing costs to the title company's escrow account, never to a person.

[9:06] You receive the Warranty Deed in your name, and the title company records it with the county. Five: your monthly payments start, and you can start using your land.

[9:25] What's the lowest price you have? $98,000 cash, in Clay County near Wichita Falls: $6,000 down, then $1,199 a month for 180 payments, at a 10% APR, fixed. Is there owner financed land near Dallas? Our closest tracts are about two hours away: Franklin and Titus counties east of Dallas, and Young and Clay counties from Fort Worth. Do I get the deed at closing?

[9:55] Yes, a Warranty Deed in your name. Can I buy from another state or another country? In many cases, yes, with a Social Security number or an ITIN; tell us about your case. Can I put a mobile home or an RV on it? There's no HOA and there are no known deed restrictions; confirm your plan with the county and the septic permitting office. What if I pay cash? You pay the cash price, which is lower than the financed price.

[10:28] So, owner financed land for sale in Texas. The numbers in this video are from November 2026: cash prices from $98,000 to $130,000, down payments from $5,940 to $8,000, and monthly payments from $1,199 to $1,599, for 180 payments, at a 10% APR, fixed. Tracts sell and new ones come in, so the list at terrafunded.com is always the current one. Compare the tracts by location, price, road, power and water, and then go see the one you like.

[11:11] See every tract at terrafunded.com, or call or text Andy at 214-306-8153. Se habla español.

Page history

November 11, 2026: Published with the video: the 10 tracts available on November 11, 2026, by region, with a table that updates from the live inventory.