Texas offers 77 down payment assistance programs to help homebuyers cover their down payment and closing costs. This includes 16 grant programs that never require repayment. Programs range from statewide options administered by the state housing finance agency to local city and county programs targeting specific communities.
Maximum assistance available reaches $832,750 through the most generous program. Credit score requirements start as low as 580 for some programs. Most programs require the home to be your primary residence, and many require homebuyer education.
Top Down Payment Assistance Programs in Texas
Highlighted programs that combine high assistance amounts with statewide or major-metro availability. See the full list below.
Texas Veterans Land Board Veterans Housing Assistance Program (VHAP)
verifyTexas Veterans Land Board (VLB) / Texas General Land Office
0.5% rate discount for veterans with 30% or higher disability rating (max UP TO $832,750; competitive low interest rate; 0.5% rate discount for veterans with 30% or higher disability rating)
El Paso Housing Finance Corporation Mi Casa Grant Program
verifyEl Paso Housing Finance Corporation (El Paso HFC)
4% of mortgage amount (e.g. (max 4% of mortgage amount (e.g., $8,000 on a $200,000 mortgage) via $25 million mortgage revenue bond program)
City of Houston Harvey Homebuyer Assistance Program 2.0 (HbAP 2.0)
verifyCity of Houston Housing and Community Development Department (HCD)
UP TO $125,000
City of College Station Down Payment Assistance Program
verifyCity of College Station Community Development Division
30% of sales price (max UP TO 30% of sales price, capped at $80,000)
City of Plano First-Time Homebuyers Assistance and Educational Program (FTHB)
verifyCity of Plano Community Services Division
UP TO $10,000 (CDBG option) or UP TO $55,000 (HOME option with 30-year shared equity)
Grant Programs (16)
Grants are the gold standard of down payment assistance. You receive the money and never have to pay it back.
El Paso Housing Finance Corporation Mi Casa Grant Program
El Paso Housing Finance Corporation (El Paso HFC)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Low-moderate income
- Min Credit Score
- Not specified
- Property Types
- single-family
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Not specified
Income Limits
Low-to-moderate income households within El Paso city limits
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
True grant; no repayment
Additional Requirements
New program launched Spring 2025. $25 million single-family mortgage revenue bond program. Approved lenders include GECU and Guardian Mortgage/Sunflower Bank.
Notes
Not specified in program details
FHLBank Dallas Homebuyer Equity Leverage Partnership (HELP)
Federal Home Loan Bank of Dallas (via member financial institutions)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- Not specified
- Property Types
- single-family
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
Grant; no repayment required if 5-year homeowner retention requirement is met
Additional Requirements
Must apply through FHLBank Dallas member financial institution. Complete homebuyer counseling program. Minimum $500 buyer contribution from own funds. No cash back at closing. HELP funds cannot be used to pay down debts
Notes
Required. Occupancy requirement: Primary residence; 5-year retention requirement
FHLBank Dallas Housing Assistance for Veterans (HAVEN)
Federal Home Loan Bank of Dallas (via member financial institutions)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 165% AMI
- Min Credit Score
- Not specified
- Property Types
- single-family
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- grant
- Profession
- veterans
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
Grant; no repayment required
Additional Requirements
Must have occupant with service-related disability OR be Gold Star Family. Open to veterans, active duty, reservists, National Guard with service-related disability. Must apply through participating FHLB Dallas member institution. Complete homeowner counseling course (if used for DPA). No cash back at closing. Intermediary fees may not exceed $750
Notes
Required if funds used for down payment assistance or closing costs. Occupancy requirement: Primary residence; must intend to reside in the home
El Paso Housing Finance Corporation Welcome Home El Paso Downpayment Grant
El Paso Housing Finance Corporation (El Paso HFC)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low-moderate income
- Min Credit Score
- Not specified
- Property Types
- single-family
- Max Price
- $20,000
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
True grant; no repayment
Additional Requirements
Has funded 276 loans with over $1.3 million in assistance. Freddie Mac partnership provides additional assistance to very low/low income households. Approved lenders include GECU and Guardian Mortgage/Sunflower Bank.
Notes
Required in non-target areas
Down Payment Assistance
Confederated Tribes of Grand Ronde - Housing
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- Yes
First Time Home Buyer (FTHB)
City of Longview - Community Development
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- Yes
Capital Area Housing Finance Corporation + TDHCA Partnership DPA
Capital Area Housing Finance Corporation (CAHFC) in partnership with TDHCA
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Varies by county and TDHCA program; see ...
- Min Credit Score
- 620+
- Property Types
- single-family, condo, PUD, manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, VA, USDA
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Varies by county and TDHCA program; see income limit tables
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
Gift funds: no repayment required. TDHCA DPA continues as deferred-repayable 2nd loan per TDHCA program terms.
Additional Requirements
Must be combined with TDHCA My First Texas Home, Combo Loans, No DPA 1st lien, or My Choice Home program. First come first served basis. Subject to funding availability
Notes
Follows TDHCA program requirements (My First Texas Home requires first-time; My Choice does not). Occupancy requirement: Primary residence
First Time Homebuyer's Program
City of Texas City - Community Development
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- Yes
Buying Power Program
Grand Prairie Housing & Neighborhood Services
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- $300,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- Yes
McKinney Housing Finance Corporation + TDHCA Partnership DPA
McKinney Housing Finance Corporation (MHFC) in partnership with TDHCA
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Collin County TDHCA limits: 1-2 persons ...
- Min Credit Score
- 620+
- Property Types
- single-family, condo, PUD, manufactured
- Max Price
- $585,006
Quick Facts
- Loan Types
- FHA, VA, USDA
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Collin County TDHCA limits: 1-2 persons $117,300; 3+ persons $134,895 (non-targeted)
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
Gift funds: no repayment required. TDHCA DPA continues as deferred-repayable 2nd loan per TDHCA program terms.
Additional Requirements
Must be combined with TDHCA DPA programs (My First Texas Home or Combo only). First come first served. Subject to funding availability
Notes
Must be combined with TDHCA My First Texas Home or Combo Loans (not eligible with My Choice). Occupancy requirement: Primary residence
Harris County Housing Finance Corporation (HCHFC) + TDHCA Partnership DPA
Harris County Housing Finance Corporation (HCHFC) partnered with TDHCA
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low-to-moderate and middle income; varie...
- Min Credit Score
- 620+
- Property Types
- single-family, condo, PUD, manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, VA, USDA
- Assistance Type
- grant
- Profession
- veterans
- Homebuyer Ed.
- Yes
Income Limits
Low-to-moderate and middle income; varies by county per TDHCA limits
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
Varies by TDHCA program selected; grant portion is non-repayable
Additional Requirements
$232 million in private activity bonds allocated. 541 mortgage loans originated since 2020, approximately 70% to minority households.
Notes
Required for My First Texas Home option; not required for My Choice Texas Home
Texas State Affordable Housing Corporation (TSAHC) Home Sweet Texas Home Loan Program
Texas State Affordable Housing Corporation
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Low-moderate income
- Min Credit Score
- 620+
- Property Types
- single-family, condo, townhome, manufactured
- Max Price
- Varies by county (see TSAHC limits table)
Quick Facts
- Loan Types
- FHA, VA, USDA, Conventional
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Eligibility: Low-to-moderate income homebuyers (both first-time and repeat). Income limits vary by county.
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
Deferred Forgivable Loan: 0% interest second lien. Forgiven after 3 years if you remain in the home.
Notes
Required
TSAHC Homes for Texas Heroes Program
Texas State Affordable Housing Corporation
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Varies
- Min Credit Score
- 620+
- Property Types
- single-family, condo, townhome, manufactured
- Max Price
- Varies by county (see TSAHC limits table)
Quick Facts
- Loan Types
- FHA, VA, USDA, Conventional
- Assistance Type
- grant
- Profession
- teachers, veterans, first responders, law enforcem...
- Homebuyer Ed.
- Yes
Repayment Terms
Forgivable after 3 years (for the loan option). No repayment if you stay for the full term.
Notes
Check program requirements
Southeast Texas Housing Finance Corporation (SETH) 5 Star Texas Advantage Program
Southeast Texas Housing Finance Corporation
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Varies
- Min Credit Score
- 640+
- Property Types
- single-family, townhome, condo, manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, VA, USDA, Conventional
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
Two options: (1) 3-year forgivable, completely forgiven after 3 years; (2) 30-year deferred, repayable upon sale, refinance, or after 30 years.
Notes
Check program requirements
SETH Homeownership Across Texas (HAT) Grant Program
Southeast Texas Housing Finance Corporation (SETH)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Varies by county; must meet HAT county i...
- Min Credit Score
- 620+
- Property Types
- single-family
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, VA, USDA, Conventional
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- No
Interest Rate
0%
Repayment Terms
True grant; no repayment required
Additional Requirements
True grant; no repayment, no recapture period. FHA, VA, USDA, or fixed-rate Conventional loan types.
Notes
Not required; open to first-time and repeat buyers
Homeownership Across Texas (HAT)
Lubbock Housing Finance Corporation
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium
- Max Price
- $524,400
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD, USDA-RD +1
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- Yes
Forgivable Loans (16)
Forgivable loans are forgiven after a set period of living in the home. If you stay, you keep the money.
City of Houston Harvey Homebuyer Assistance Program 2.0 (HbAP 2.0)
City of Houston Housing and Community Development Department (HCD)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 120% AMI
- Min Credit Score
- Not specified
- Property Types
- single-family
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
Forgivable deferred loan; specific forgiveness period applied per program guidelines
Additional Requirements
CDBG-DR funded program. Processing approximately 6 weeks from complete application. Virtual community hours every Wednesday 1-4 PM. Fifth Ward/Kashmere Gardens UPRR sampling zone currently suspended.
Notes
Required; or must have lost home due to Harvey
City of Plano First-Time Homebuyers Assistance and Educational Program (FTHB)
City of Plano Community Services Division
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- 620+
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, VA, USDA, Conventional
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- No
Income Limits
At or below 80% AMI; 4-person household limit $66,500
Check AMI limits for your county →Repayment Terms
CDBG option: 0% deferred forgivable; 5-year affordability period. HOME option: 0% deferred forgivable; 30-year shared equity agreement.
Additional Requirements
Property must be single-family, townhome, or condo within Plano city limits. HUD value limits apply. First-come first-served, subject to fund availability.
Notes
Required
Tarrant County Homebuyer Assistance Program
Tarrant County / Housing Channel (nonprofit administrator)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- Not specified
- Property Types
- single-family
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- No
Interest Rate
0%
Repayment Terms
0% interest forgivable deferred loan; affordability period up to 20 years depending on assistance amount (60-240 months); loan due if sold, refinanced, or vacated during affordability period
Additional Requirements
Must close within 60 days of approval; must occupy within 60 days of closing; no leasing or business use allowed. HUD HOME Investment Partnerships Program funded.
Notes
Required
City of El Paso First-Time Homebuyer Program (FTHB)
City of El Paso Department of Community and Human Development
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 60-80% AMI
- Min Credit Score
- Not specified
- Property Types
- single-family, condo, manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
60%-80% AMI depending on household size; family of 4 limit approximately $54,450
Check AMI limits for your county →Interest Rate
3%
Repayment Terms
0% forgivable loan for principal reduction; closing cost portion is 3% interest 10-year forgivable term
Additional Requirements
Property within El Paso city limits only. Single-family, condo, or manufactured home on permanent foundation. Application period was closed at time of research; expected to reopen.
Notes
Required
City of San Antonio Homeownership Program for Employees (HOPE)
City of San Antonio Neighborhood and Housing Services Department (NHSD)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified (employee benefit program)
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
0% interest; fully forgivable over 5 years of continuous city employment; balance due if separated before end of term
Additional Requirements
Loan forgiven over 5 years (1/5 per year) if employee remains employed with CoSA; balance due if employment ends before forgiveness period
Notes
Required
City of San Antonio First Responders Homebuyer Assistance Program (FRHAP)
City of San Antonio Neighborhood and Housing Services Department (NHSD)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified (employee benefit program)
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA
- Assistance Type
- forgivable loan
- Profession
- first responders, law enforcement
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
0% interest; fully forgivable over 5 years (1/5 per year) while employed; unforgiven balance due upon separation from SAPD/SAFD
Additional Requirements
Funds limited, first-come first-served basis
Notes
Required (not owned in past 3 years)
City of Laredo Down Payment Assistance Program
City of Laredo Community Development Department
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- Not specified
- Property Types
- single-family
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
0% interest forgivable loan; forgiven after 10 consecutive years as primary residence; full balance due if non-compliant with residency requirements plus 4% annual interest
Additional Requirements
HOME-funded program
Notes
Required (not owned in past 3 years). Occupancy requirement: Primary residence for 10 consecutive years
City of Fort Worth Homebuyer Assistance Program
City of Fort Worth
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Varies
- Min Credit Score
- Not specified
- Property Types
- single-family
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
Forgivable loan; forgiven after 10 years (up to $25,000) or 5 years (up to $14,999). Amortized payback if sold before forgiveness period.
Notes
Required
City of Corpus Christi Homebuyer Assistance Program (HAP)
City of Corpus Christi Neighborhood Services Department
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- Not specified
- Property Types
- single-family
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
At or below 80% AMI; approximately $55,450 for family of 4
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
0% forgivable loan; 5 to 10 year term depending on amount
Additional Requirements
Flood plain properties require flood insurance. HUD HOME funded (Come Dream Come Build). Program targets minimum 12 families.
Notes
Required
Harris County Community Services Downpayment Assistance Program (DAP)
Harris County Community Services Department
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- 580+
- Property Types
- single-family
- Max Price
- $280,000
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
At or below 80% AMI for Harris County (HUD June 2025 limits)
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
Forgivable: primary residence required 5 years ($1-$14,999 award) or 10 years ($15,000-$23,800 award); forgiven at end of affordability period
Additional Requirements
Pre-existing home max price $280,000; new construction max $292,000
Notes
Required
City of Arlington Homebuyer Assistance Program (AHAP)
City of Arlington / Housing Channel (nonprofit administrator)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- Not specified
- Property Types
- single-family
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
At or below 80% AMI; approximately $83,000 for family of 4 as of June 2025
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
No-interest deferred loan; forgivable over up to 10 years; prorated repayment if sold before forgiveness period ends
Additional Requirements
AHAP Guidelines updated effective June 1, 2025. Property must be principal residence within Arlington city limits.
Notes
Required
City of San Antonio Homeownership Incentive Program HIP 120
City of San Antonio Neighborhood and Housing Services Department (NHSD)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 81-120% AMI
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- $305,200
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
81% to 120% AMI; 2025 range: $81,150 (1 person) to $153,000 (8 persons)
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
0% interest, no payments second loan. 25% perpetual (due upon sale/refinance); 75% forgiven over 10 years.
Additional Requirements
75% of loan forgiven over 10 years; remaining 25% due at sale or ownership change
Notes
Required (limited exceptions)
City of Beaumont Down Payment Assistance Program
City of Beaumont Housing Services Division
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- 600+
- Property Types
- Not specified
- Max Price
- $150,000
Quick Facts
- Loan Types
- FHA, VA, USDA, Conventional
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
At or below 80% AMI (HOME Program limits by family size)
Check AMI limits for your county →Repayment Terms
Deferred forgivable loan; forgiven at 20% per year over 5 years; second lien recorded with Jefferson County Clerk; repayment if sold or moved out during 5-year period
Additional Requirements
HOME-funded. Complete homebuyer education course. Conventional, FHA, VA, or Rural Development mortgage. Housing cost max 33% of gross income
Notes
Required (not owned in past 3 years; waived if home awarded to other party in divorce). Occupancy requirement: Primary residence for 5-year affordability period
City of Bryan Homebuyer Assistance Program
City of Bryan Community Development Department
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- Not specified
- Property Types
- manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Repayment Terms
Deferred, non-interest-bearing note; 5-year owner occupancy; repayment from net proceeds if sold or no longer owner-occupied within 5 years; lien released after 5 years
Additional Requirements
HOME/CDBG funded. Buyer must contribute minimum $1,000. Must procure own mortgage financing. Complete homebuyer counseling. Earnest money contract required
Notes
Required (not owned in past 3 years). Occupancy requirement: Owner occupancy for minimum 5 years
City of Frisco Targeted Down Payment Assistance Program
City of Frisco Community Development Division
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Combined household income of all adults ...
- Min Credit Score
- Not specified
- Property Types
- single-family
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Combined household income of all adults may not exceed $144,567; max sale price $563,500
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
0% interest; 5-year deferred forgivable; 20% forgiven per year; balance due if sold, cash-out refinanced, no longer primary residence, or City/ISD employment ends
Additional Requirements
Policy revised April 1, 2025. Home must pass TMCS inspection. Pre-1978 homes require visual lead paint assessment. Non-occupant co-borrowers not eligible.
Notes
Required (some exceptions)
SETH MyHome Plus Program
Southeast Texas Housing Finance Corporation (SETH)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- 80% AMI
- Min Credit Score
- 620+
- Property Types
- manufactured, 1-4 unit
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, VA, USDA, Conventional
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- No
Repayment Terms
10-year forgivable Community Second Loan with no monthly payments; fully forgiven after 10 years; unforgiven balance due upon sale or refinance prior to maturity
Additional Requirements
FHA, VA, USDA, or Conventional loan types accepted
Notes
Not required; open to all eligible buyers
Deferred Payment Loans (36)
Deferred loans require no monthly payments while you live in the home. You repay when you sell, refinance, or move out.
First Time Homebuyers Assistance and Educational Program (FTHB) - HOME Investment Partnerships Program (HOME)
City of Plano - Community Services Division
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD, Manufactured
- Max Price
- $418,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Forgivable - Fully forgiven at closing or forgiven on a schedule
City of Tyler First Time Homebuyers Program
City of Tyler Neighborhood Services Department
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- Not specified
- Property Types
- single-family
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
At or below 80% AMI; 4-person household $69,850 (2024 HUD limits)
Check AMI limits for your county →Repayment Terms
Deferred payment loan with second lien; no monthly payments; forgiven at end of affordability period (5 years existing, 10 years new construction, 15 years target area); repayment triggered if sold, leased, or rented during lien period
Additional Requirements
HUD HOME/CDBG funded. Subject to available funding
Notes
Required (not owned in past 3 years); exception for single parents legally separated. Occupancy requirement: Primary residence
Homebuyer Assistance Program (HAP)
City of Denton
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- $375,250
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA +2
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Forgivable - Fully forgiven at closing or forgiven on a schedule
Homebuyer Down Payment Assistance Program
City of Irving
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
First Time Homebuyer's Program (FTHB)
City of Tyler - Community Development
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Home Ownership Program for Employees (HOPE)
San Antonio - Neighborhood & Housing Services
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Forgivable - Fully forgiven at closing or forgiven on a schedule
Harvey Homebuyer Assistance Program
City of Houston
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Forgivable - Fully forgiven at closing or forgiven on a schedule
Homebuyer Assistance Program (HAP)
City of Houston
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Forgivable - Fully forgiven at closing or forgiven on a schedule
Homebuyer Down Payment Assistance
City of Waco - Housing and Community Development
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Homebuyer Assistance (HBA) Program
Community Development Corporation of Brownsville (CDCB)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Homebuyer Assistance Program
Corpus Christi - Housing & Community Develop.
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- $238,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Forgivable - Fully forgiven at closing or forgiven on a schedule
City of Odessa Homebuyer Assistance Program
City of Odessa Community Development Department
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- 580+
- Property Types
- single-family, mobile home
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Repayment Terms
Zero-interest deferred-payment loan; second lien on property
Additional Requirements
HOME-funded. Complete Homebuyer's Education Course (Odessa Affordable Housing Inc.). Minimum 1% buyer contribution. 2 months mortgage reserves required. Must use approved lender
Notes
Required. Occupancy requirement: Primary residence
Down Payment Assistance Program (DAP)
Harris County Community Services Department
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- $292,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Forgivable - Fully forgiven at closing or forgiven on a schedule
Arlington Homebuyer's Assistance Program (AHAP)
City of Arlington - Office of Strategic Initiatives
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- $305,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Forgivable - Fully forgiven at closing or forgiven on a schedule
Homebuyer Assistance Program
City of Midland - Housing & Community Development
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Homebuyer Assistance Program (HAP) - HOME Investment Partnership Program
City of San Angelo Community & Housing Support
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- $266,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Forgivable - Fully forgiven at closing or forgiven on a schedule
Down Payment Assistance Program
City of Bryan - Community Development
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium
- Max Price
- $251,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Montgomery County Home Fund Program
Montgomery County Community Development
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD, Manufactured
- Max Price
- $268,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
First Time Homebuyers Assistance and Educational Program (FTHB) - Community Development Block Grant (CDBG)
City of Plano - Community Services Division
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD, Manufactured
- Max Price
- $418,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Forgivable - Fully forgiven at closing or forgiven on a schedule
First Time Home Buyer Program - HOME Investment Partnership Program (HOME)
City of Wichita Falls - Neighborhood Resources
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family
- Max Price
- $209,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Dallas County UPCAP (Upfront Cost Assistance Program)
Dallas County Health and Human Services (DCHHS) Home Loan Counseling Center (HLCC)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low-moderate income
- Min Credit Score
- Not specified
- Property Types
- single-family
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- No
Repayment Terms
Deferred; must reside in property as primary residence for 5 years; lien released after 5-year term; repayment triggered if sold, leased, title transferred, or foreclosed during 5-year period
Additional Requirements
Home must pass Dallas County MPS inspection plus Texas Wood Destroying Insect Report. One-time use per person. No cash-out refinancing during 5-year period.
Notes
Required
Upfront Cost Assistance Program (UPCAP)
Dallas County Health and Human Services
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- $318,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Fort Bend County Housing Finance Corporation Down Payment Assistance Program
Fort Bend County Housing Finance Corporation (administered through Covenant Capital)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- single-family
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Additional Requirements
Limited funds available; first come first served. Conditions apply per program administrator
Notes
Required
First Time Homebuyer program
City of Abilene
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Repayment Terms
Deferred Payment - Repayable at sale or title transfer
Middle Income Homeownership Program
Opportunity Home San Antonio
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD, Manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
NDBT HomeStart Program
NDBT (North Dallas Bank and Trust)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- HUD-defined LMI limits for Dallas and Co...
- Min Credit Score
- Not specified
- Property Types
- single-family
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Repayment Terms
Standard mortgage terms; $2,500 is a credit applied at closing (not a loan)
Additional Requirements
Rate 5.75% (5.781% APR) at program documentation; CRA community lending product
Notes
Not specified
Travis County Down Payment Assistance Program
Travis County
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Varies
- Min Credit Score
- Not specified
- Property Types
- single-family
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Notes
Check program requirements
TDHCA Texas Mortgage Credit Certificate (MCC) Program
Texas Department of Housing and Community Affairs (TDHCA)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low-moderate income
- Min Credit Score
- 620+
- Property Types
- single-family, condo, PUD, manufactured, duplex
- Max Price
- Varies by county; same limits as My First Texas Home
Quick Facts
- Loan Types
- FHA, VA, USDA, Conventional
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Repayment Terms
Annual tax credit; effective for life of mortgage while home remains primary residence
Additional Requirements
Federal recapture tax may apply if home is sold within 9 years
Notes
Required for My First Texas Home option; waived for veterans and My Choice Texas Home
TSAHC Mortgage Credit Certificate (MCC) Program
Texas State Affordable Housing Corporation (TSAHC)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Varies by county; income and purchase pr...
- Min Credit Score
- 620+
- Property Types
- single-family, condo, townhome, manufactured
- Max Price
- Varies by county (see TSAHC limits table)
Quick Facts
- Loan Types
- FHA, VA, USDA, Conventional
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Varies by county; income and purchase price limits apply
Check AMI limits for your county →Repayment Terms
Annual tax credit; effective for life of mortgage while home remains primary residence
Additional Requirements
Federal recapture tax may apply if sold within 9 years. Two-family to four-family residences eligible if 5+ years old and one unit is primary residence.
Notes
Required (not owned home in past 3 years)
Austin Habitat New Home Construction Program
Habitat for Humanity Austin
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- $260,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Homebuyer Assistance Program - Community Development Block Grant Program (CDBG)
City of Baytown - Community Development
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- $180,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Forgivable - Fully forgiven at closing or forgiven on a schedule
Homebuyer Program
Port Arthur - Housing and Neighborhood Revitalization
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
5 Star
Southeast Texas Housing Finance Corporation
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA +3, USDA-RD, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Repayment Terms
Forgivable - Fully forgiven on a schedule
Hill Country Home Down Payment Assistance Program
Travis County Housing Finance Corporation
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- $364,452
Quick Facts
- Loan Types
- FHA, VA, USDA-RD, Freddie Mac
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Chenoa Fund FHA Down Payment Assistance Forgivable
CBC Mortgage Agency (Chenoa Fund)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, 2 units, Leasehold, Condominium, Townhouse/PUD, Manufactured
- Max Price
- $766,550
Quick Facts
- Loan Types
- FHA
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Chenoa Fund FHA Down Payment Assistance Repayable
CBC Mortgage Agency (Chenoa Fund)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, 2 units, Leasehold, Condominium, Townhouse/PUD, Manufactured
- Max Price
- $766,550
Quick Facts
- Loan Types
- FHA
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
Note rate 1% above the first mortgage note rate
Repayment Terms
This loan does require a monthly payment on the second mortgage.
Second Mortgages (8)
These programs provide DPA as a second mortgage, sometimes with monthly payments, sometimes deferred.
Texas Veterans Land Board Veterans Housing Assistance Program (VHAP)
Texas Veterans Land Board (VLB) / Texas General Land Office
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- None specified
- Min Credit Score
- Not specified
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- VA, Conventional
- Assistance Type
- second mortgage
- Profession
- veterans
- Homebuyer Ed.
- No
Interest Rate
Below-market fixed rate
Repayment Terms
Standard mortgage; 15, 20, 25, or 30-year fixed-rate terms
Additional Requirements
Single-family, townhome, or condo only. Duplexes must be 5+ years old. VLB does not offer refinancing.
Notes
Not required
City of Houston Homebuyer Assistance Program
City of Houston
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Varies
- Min Credit Score
- Not specified
- Property Types
- single-family
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- second mortgage
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
No-interest forgivable loan secured by lien; forgiven after 5 years of owner occupancy. If sold or moved before 5 years, proportional repayment required.
Notes
Required
City of Dallas Dallas Homebuyer Assistance Program (DHAP)
City of Dallas
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Varies
- Min Credit Score
- Not specified
- Property Types
- single-family
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- second mortgage
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
Forgivable deferred loan. Loan terms range from 5 to 10 years depending on the amount of assistance.
Notes
Required
City of Austin Down Payment Assistance
City of Austin
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- Not specified
- Property Types
- single-family, condo
- Max Price
- $440,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- second mortgage
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Eligibility: First-time homebuyers purchasing within Austin city limits; income limits apply (80% AMI).
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
Deferred 0% interest loan. Repayment is deferred until the home is sold, refinanced, or no longer owner-occupied. (Some terms may allow for forgiveness after a long affordability period, typically 5-10 years).
Notes
Required
Neighborhood Housing Services of San Antonio (NHSSA) Down Payment Loan
Neighborhood Housing Services of San Antonio (NHSSA)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Varies; 2025 income guidelines available...
- Min Credit Score
- 580+
- Property Types
- single-family
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- second mortgage
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Varies; 2025 income guidelines available at nhsofsa.org
Check AMI limits for your county →Repayment Terms
Second mortgage repaid over time (not forgivable); specific rate and term determined at application with participating lender
Additional Requirements
HUD-certified CHDO and US Treasury-certified CDFI. Has closed 1,400+ loans totaling $30M+. Classes available in English and Spanish, online and in-person.
Notes
Required
City of San Antonio Homeownership Incentive Program (HIP 80)
City of San Antonio
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- 120% AMI
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- $263,000 existing; $278,000 new construction
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA
- Assistance Type
- second mortgage
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Eligibility: First-time homebuyers purchasing in San Antonio. Income limit is generous (up to 120% AMI).
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
0% interest, no payments second loan. $1,000-$15,000 forgiven over 5 years; $15,001-$30,000 forgiven over 10 years.
Notes
Required
Texas Department of Housing and Community Affairs (TDHCA) My First Texas Home Program
Texas Department of Housing and Community Affairs
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Varies
- Min Credit Score
- 620+
- Property Types
- single-family, condo, PUD, manufactured, duplex
- Max Price
- Varies by county; $544,232 non-targeted (most counties), up to $855,060 in Dallas/Fort Worth metro
Quick Facts
- Loan Types
- FHA, VA, USDA
- Assistance Type
- second mortgage
- Profession
- veterans
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
Two options: (1) 30-year deferred repayable at 0%, due upon sale/refinance/payoff; (2) 3-year deferred forgivable at 0%, forgiven after 36 months if current on first lien and property remains primary residence
Notes
Required
TDHCA My Choice Texas Home Program
Texas Department of Housing and Community Affairs
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Varies
- Min Credit Score
- 620+
- Property Types
- single-family, condo, PUD, manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, VA, USDA, Conventional
- Assistance Type
- second mortgage
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
Similar to the "My First" program (3-year forgivable or 30-year deferred options).
How to Apply for Down Payment Assistance in Texas
-
1
Check Your Eligibility
Use our free eligibility tool to see which programs match your situation. Enter your state, city, income, and target home price.
-
2
Contact the Program Administrator
Each program has its own application process. Visit the program website or call the administering agency to get started. Many programs work through approved lenders.
-
3
Get Pre-Approved with a Participating Lender
Not every lender participates in every DPA program. Work with a lender who is approved for the programs you want. The program administrator can provide a list of approved lenders.
-
4
Complete Homebuyer Education (If Required)
Many programs require a HUD-approved homebuyer education course. Online options through eHome America and Framework are accepted by most programs.
-
5
Close & Move In
DPA funds are typically disbursed at closing alongside your first mortgage. Your lender coordinates the DPA program paperwork as part of the loan process.
Frequently Asked Questions
How much down payment assistance can I get in Texas?
Up to $832,750 through available programs in Texas. Multiple programs can often be combined for even more assistance. The exact amount depends on your income, location, and the specific program requirements.
Do I need to be a first-time homebuyer?
Not always. 16 programs in Texas are open to repeat buyers. "First-time buyer" is typically defined as not having owned a home in the past three years.
What credit score do I need?
As low as 580 for some programs. Most programs require 620-660. Higher credit scores may qualify you for more programs and better terms.
Can I combine multiple DPA programs?
In many cases, yes. Some programs are specifically designed to be layered with others. For example, you might combine a state grant with a local deferred loan. Check with each program administrator about stacking eligibility.
DPA Programs in Nearby States
Help Us Keep This Data Accurate
Know about a DPA program in Texas that's changed, closed, or one we're missing? This directory is community-maintained. Your input helps thousands of homebuyers find the right programs.
Submit a Program Update →Get Your Free Texas DPA Action Plan
Tell us about your situation and we will put together a personalized guide to the programs you may qualify for.
We are putting together your action plan.
Check your email for next steps. In the meantime, you can also schedule a free consultation.
Schedule a Free Consultation