Last updated: April 2026 · Program availability changes frequently
Down Payment Assistance in El Paso: Overview
El Paso is one of the most affordable major cities in Texas, with a median home price around $260,000. A 3.5% FHA down payment on that is $9,100. Texas statewide DPA programs cover up to 5% of the loan amount as a grant or deferred loan. On a $260,000 purchase, 5% = $13,000. That covers the entire FHA down payment and leaves $3,900 for closing costs. The numbers work cleanly here.
El Paso buyers have access to four statewide programs through TSAHC and TDHCA, each offering up to 5% of the loan amount. TSAHC Home Sweet Texas provides a true grant you never repay. TDHCA My First Texas Home offers a deferred or forgivable option. Both include their own first mortgage at competitive rates. No city-level application is needed. You apply through an approved lender.
One thing El Paso buyers should know: the SETH 5 Star program, which is popular in Houston and other Texas cities, specifically excludes El Paso city limits. That is not a major loss. TSAHC and TDHCA offer the same 5% assistance with similar terms. But if you see SETH mentioned on a general Texas DPA list, know that it does not apply here.
Fort Bliss makes El Paso one of the largest military communities in the country. TSAHC Homes for Texas Heroes is designed for exactly this population, offering the same 5% grant to active military, veterans, teachers, police, firefighters, and EMS workers. VA loans (0% down) paired with TSAHC Heroes for closing costs create a path to homeownership with potentially zero cash at closing.
Quick Answer
Yes. El Paso buyers have access to 6+ statewide DPA programs that provide up to 5% of the loan amount as grants, forgivable loans, or deferred second mortgages.
On a $260,000 home (near El Paso's median), 5% = $13,000. FHA requires $9,100 down. The remaining $3,900 goes toward closing costs. TSAHC provides this as a grant. That is money you never repay.
Credit scores start at 620. Repeat buyers qualify for TSAHC Home Sweet Texas and TDHCA My Choice Texas Home. Veterans and military have additional access through TSAHC Heroes.
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This guide is for informational purposes only and is not a commitment to lend. Program availability, terms, and eligibility requirements change frequently. All program details should be verified directly with the administering agency or an approved lender before making financial decisions. DownPaymentScout is an independent resource and is not affiliated with any government agency or lending institution. Information is believed accurate as of the date shown but is not guaranteed. Last updated April 2026. Program availability changes frequently.