Mortgage Lender Cedar Park TX

To get a mortgage in Cedar Park TX, work with an independent broker like Adam Styer (NMLS #513013) who shops 40+ wholesale lenders — including FHA at 3.5% down for first-time buyers in Block House Creek and the Cedar Park Town Center entry tier, and jumbo financing for Twin Creeks, Ranch at Brushy Creek, and the new Crestline at Brushy Creek (Toll Brothers, mid-$900Ks+) buyers above the $832,750 conforming limit — with pre-approval in 24 hours and a 21-day average close. Cedar Park's price range spans from $290K entry-level in Block House Creek to $1.1M+ in golf-course communities. Knowing your program, your number, and your school-attendance zone before you start shopping is the difference between making offers and losing them.

How Do I Buy a Home in Cedar Park TX?

Leander ISD, which serves most of Cedar Park, earned a 93/100 academic rating from the Texas Education Agency in 2024. Two Cedar Park high schools — Cedar Park High and Vista Ridge High — both hold an 8/10 rating on GreatSchools. That school story drives constant demand from families transferring in, which is why well-priced Cedar Park homes in the $400K–$550K range often draw multiple offers within a week. Important caveat: a small slice of east Cedar Park along Brushy Creek (including the new Crestline at Brushy Creek community by Toll Brothers) is zoned to Round Rock ISD, not LISD — verify the attendance zone for any specific address before you write an offer.

Cedar Park at a glance: Located ~20 miles NW of downtown Austin, primarily in Williamson County (southern portions in Travis County). Primary zip code 78613. Leander ISD serves most of the city; a slice of east Cedar Park along Brushy Creek feeds Round Rock ISD. Combined nominal property tax rate ~1.86%: Williamson County $0.413776 (FY 2025-26) + City of Cedar Park $0.36 (FY 2025-26) + LISD $1.0869 (M&O $0.7569 + I&S $0.33); effective rate after homestead averages ~1.52%. Key neighborhoods: Buttercup Creek, Twin Creeks, Ranch at Brushy Creek, Block House Creek, and Crestline at Brushy Creek (RRISD-zoned).

What Are Home Prices Like in Cedar Park TX in 2026?

Cedar Park's median sale price was $496,000 in March 2026 — down 8.0% year-over-year, per Redfin. Median price per square foot is $228. Entry tier in Block House Creek runs $290,000–$450,000 (12-month median ~$340,500). The upper end in Twin Creeks and Ranch at Brushy Creek reaches $700,000–$1.1M+, and Toll Brothers' Crestline at Brushy Creek opened March 2026 starting in the mid-$900,000s. The 2026 conforming loan limit of $832,750 covers most Cedar Park purchases — only the premium communities push into jumbo territory.

Use our mortgage calculator to estimate your monthly payment. For Cedar Park-specific rate comparisons, see our Cedar Park rate check page.

Leander ISD Schools Serving Cedar Park

Cedar Park High School (2150 Cypress Creek Rd, 78613) holds an 8/10 rating on GreatSchools. Vista Ridge High School (200 S Vista Ridge Dr, 78613) also holds an 8/10 GreatSchools rating. Vandegrift High School (8/10) serves some 78726 addresses in far south Cedar Park. Round Rock ISD's Round Rock High School serves Crestline at Brushy Creek (Sommer Elementary + Cedar Valley Middle in the feeder pattern), per the Toll Brothers community page. Attendance zones change — always verify your specific address at LISD's boundary tool or RRISD's boundary tool before making an offer.

Cedar Park Neighborhoods to Know

Buttercup Creek (78613) — Established community built from the 1980s through the 2000s. Homes range from $420,000 to $650,000. Mature trees, larger lots than newer developments, easy access to 183A and Lakeline Mall. One of the more affordable Cedar Park entry points without sacrificing the school district.

Ranch at Brushy Creek (78613) — Master-planned community along Brushy Creek Lake Park with direct trail access. Builders including Scott Felder and Wilshire constructed multiple phases; resale runs $500,000–$850,000. Feeds Cedar Park High School. Popular with tech worker transplants and move-up buyers.

Twin Creeks (78613) — Cedar Park's golf course community built around an 18-hole Fred Couples-designed course. Resale starts in the $700,000s and runs past $1.1M. Buyers here typically need jumbo financing or are carrying equity from a prior market sale.

Crestline at Brushy Creek (78613) — Toll Brothers, RRISD-zoned. Sales center at 907 Walsh Glen Dr opened March 19, 2026, per Toll Brothers' official announcement. Twelve home designs across 60-foot homesites (Cypress Collection) and 70-foot homesites (Juniper Collection), 2,800–4,700+ sqft, 3–6 bedrooms, 3-car garages, pricing from the mid-$900,000s. Critical for buyers: this community is zoned to Round Rock ISD (Sommer Elementary, Cedar Valley Middle, Round Rock High) — not Leander ISD — even though the mailing address is Cedar Park. The Cypress Collection just under the conforming line at full upgrades; Juniper Collection plans typically cross into jumbo. Direct access to Brushy Creek Trail System and Champions Park.

Block House Creek (78613) — Established master-planned community on the western edge of Cedar Park. 12-month median sale price ~$340,500 with most homes between $290,000 and $450,000, per Homes.com neighborhood data. Homes typically sell in 44 days. Strong FHA territory: 3.5% down on a $375,000 home is $13,125, well within reach for first-time buyers and families relocating into LISD. Feeds Block House Creek Elementary and Cedar Park High.

Cedar Park Major Employers

Cedar Park's employer base is more diverse than buyers usually expect. Per the Cedar Park EDC, the largest local employers include Cedar Park Regional Medical Center (Ascension Healthcare), ETS-Lindgren (global electromagnetic testing equipment manufacturer), National Oilwell Varco (Fortune 500 drilling equipment), and Firefly Aerospace, the Cedar Park-headquartered space launch company that became the first commercial company to fully soft-land on the Moon with its Blue Ghost Mission 1 in March 2025 (a second mission is targeting 2026). Within easy commute: Apple's Parmer Lane campus ~12 miles south, planned to scale to 5,000 employees in phase 1 and up to 15,000 at full buildout; Dell's Round Rock global HQ ~15 miles east; and the broader semiconductor + biotech corridor along US-183 and Parmer.

Property Tax & Closing Costs in Cedar Park

The combined nominal property tax rate in Cedar Park is approximately 1.86% for the Williamson County portion: Williamson County $0.413776 (FY 2025-26, voter-approval rate) + City of Cedar Park $0.36 (FY 2025-26, set Sept. 11, 2025) + LISD $1.0869 (M&O $0.7569 + I&S $0.33). After homestead exemption, the effective rate runs closer to 1.52% per Ownwell. At Cedar Park's $496,000 median price, buyer closing costs typically run $9,500–$14,500 (roughly 2–3% of purchase price). Real-number breakdown at $496K with 10% down ($446,400 loan):

• Lender's title insurance: ~$2,080 (Texas DOI-regulated rate on a ~$446K loan)
• Escrow/settlement fee: ~$650
• Recording fees: ~$125 (Williamson County)
• Property tax proration: At the 1.86% nominal rate, a $496,000 home generates ~$9,225/year in taxes. Close mid-year and the seller typically credits ~$4,612 for accrued taxes
• Prepaids (first year homeowner's insurance + 3-month tax escrow): ~$3,500–$4,800
• Origination + processing (varies by lender): ~$1,200–$1,800

Buyers crossing into jumbo territory at Twin Creeks, Ranch at Brushy Creek, or Crestline at Brushy Creek's Juniper Collection should plan on 6–12 months of PITI in reserve documentation, not just down payment. Seller concessions toward closing costs are realistic in Cedar Park's current 8% YoY-down market — ask me what's negotiable at your price point before you submit an offer.

How Does Pre-Approval Work in Cedar Park TX?

In Cedar Park's competitive market, sellers choose the offer with the cleanest financing — and that starts with a solid pre-approval letter from a lender they can trust. Here is how the process works with Adam Styer: