Down payment assistance in Texas

128 programs are listed for Texas: grants, forgivable loans, deferred seconds, first mortgage products and tax credits from state, county, city, nonprofit, regional and lender and employer providers. Every amount and rule below comes from the provider’s published terms.

Browse by county

• Bexar County
  2 local programs
• Brazoria County
  1 local program
• Collin County
  1 local program
• Dallas County
  4 local programs
• Denton County
  3 local programs
• Fort Bend County
  1 local program
• Harris County
  2 local programs
• Montgomery County
  1 local program
• Tarrant County
  5 local programs
• Travis County
  2 local programs
• Williamson County
  2 local programs

Statewide programs

• TDHCA My First Texas Home
  Deferred 2nd 0% 30-yr · Up to $30,000 · Texas Dept of Housing & Community Affairs
• TDHCA My Choice Texas Home
  Deferred 2nd 0% 25-yr · Up to $25,000 · TDHCA
• TSAHC Homes for Texas Heroes
  Deferred 2nd 0% 30-yr · Up to $35,000 · TX State Affordable Housing Corp
• TSAHC Home Sweet Texas Home
  Deferred 2nd 0% 30-yr · Up to $25,000 · TSAHC
• SETH 5 Star Texas
  Deferred 2nd 0% 30-yr · Up to $20,000 · Southeast Texas Housing Finance Corp
• HCHFC Houston FTHB DPA
  Deferred 2nd 0% 30-yr · Up to $22,000 · Houston Community Housing Financing Corp
• Homes for Texas Heroes Home Loan Program
  30-year fixed first mortgage + DPA (grant or 2nd lien) · Amount varies by program · Texas State Affordable Housing Corporation (TSAHC)
• Home Sweet Texas Home Loan Program
  30-year fixed first mortgage + DPA (grant or 2nd lien) · Up to 5% · Texas State Affordable Housing Corporation (TSAHC)
• TSAHC Mortgage Credit Certificate (MCC)
  Federal income tax credit · Amount varies by program · Texas State Affordable Housing Corporation (TSAHC)
• My First Texas Home Program
  30-year fixed first mortgage + DPA (forgivable 2nd lien) · Up to 5% · Texas Department of Housing and Community Affairs (TDHCA)
• My Choice Texas Home Program
  30-year fixed first mortgage + DPA (forgivable 2nd lien) · Up to 5% · Texas Department of Housing and Community Affairs (TDHCA)
• Texas Mortgage Credit Certificate Program (TDHCA)
  Federal income tax credit · Amount varies by program · Texas Department of Housing and Community Affairs (TDHCA)
• Texas Bootstrap Loan Program
  Self-help housing construction loan · Amount varies by program · Texas Department of Housing and Community Affairs (TDHCA)
• SETH 5 Star Texas Advantage Program
  30-year fixed mortgage + DPA (forgivable or deferred 2nd lien) · Up to 5% · Southeast Texas Housing Finance Corporation (SETH)
• SETH GoldStar Program
  30-year fixed mortgage + DPA (forgivable 2nd lien) · Up to 7% · Southeast Texas Housing Finance Corporation (SETH)
• VLB Veterans Housing Assistance Program
  First-lien home loan for Texas veterans · Amount varies by program · Texas Veterans Land Board (VLB) / Texas General Land Office
• BCL of Texas (Business and Community Lenders) Homebuyer Programs
  CDFI homebuyer education + DPA administration · Amount varies by program · Business and Community Lenders of Texas (BCL)
• Habitat for Humanity Texas Affiliates Homebuyer Programs
  Affordable mortgage + sweat equity self-help build · Amount varies by program · Habitat for Humanity (Houston, Dallas, San Antonio, Austin, El Paso, Williamson, Fort Worth)
• Southeast Texas Housing Finance Corporation (SETH) 5 Star Texas Advantage
  grant or forgivable second lien · Amount varies by program · Southeast Texas Housing Finance Corporation
• SETH MyHome Plus Program
  forgivable second lien (Community Second) · Amount varies by program · Southeast Texas Housing Finance Corporation
• Habitat for Humanity Texas (State Support Organization)
  support / advocacy / mortgage services · Amount varies by program · Habitat for Humanity Texas
• Business and Community Lenders (BCL) of Texas
  homebuyer education + DPA program access · Amount varies by program · BCL of Texas
• Texas Mortgage Credit Certificate (TMCC)
  mortgage_credit_certificate · Up to $2,000 · Texas Department of Housing and Community Affairs (TDHCA)
• Homes for Texas Heroes Program
  grant · Up to 5% · Texas State Affordable Housing Corporation (TSAHC)
• TSAHC Mortgage Credit Certificate
  mortgage_credit_certificate · Up to $2,000 · Texas State Affordable Housing Corporation (TSAHC)
• Texas Veterans Land Board Home Loan
  below_market_rate · Amount varies by program · Texas General Land Office / Texas Veterans Land Board
• FHLB Dallas Homebuyer Equity Leverage Partnership (HELP)
  grant · Up to $25,000 · Federal Home Loan Bank of Dallas

County and city programs

• Houston Homebuyer Assistance Program (HAP)
  Down payment & closing cost forgivable loan · Up to $30,000 · City of Houston Housing & Community Development Department
• Harris County Down Payment Assistance Program (DAP)
  Forgivable down payment assistance loan · Amount varies by program · Harris County Community Services Department / Housing & Community Development
• Harris County Housing Finance Corporation Programs
  First mortgage + DPA via partnership with TDHCA · Amount varies by program · Harris County Housing Finance Corporation
• Dallas Homebuyer Assistance Program (DHAP)
  Forgivable deferred down payment loan · Up to $60,000 · City of Dallas Housing & Homelessness (administered by BCL of Texas)
• Dallas County UPCAP (Upfront Cost Assistance Program)
  Deferred payment 2nd lien for down payment/closing costs · Amount varies by program · Dallas County Home Loan Counseling Center
• City of Plano First-Time Homebuyers Assistance Program
  Deferred payment forgivable loan · Amount varies by program · City of Plano Neighborhood Services
• City of McKinney Homebuyer Assistance Program
  Forgivable loan for down payment/closing costs · Amount varies by program · City of McKinney Housing & Community Development
• City of Frisco Down Payment Assistance Program
  Forgivable down payment & closing cost loan · Amount varies by program · City of Frisco
• City of Garland First Time Homebuyer Program / GHFC MCC + DPA
  Forgivable loan + Mortgage Credit Certificate · Amount varies by program · City of Garland / Garland Housing Finance Corporation (GHFC)
• City of Irving Homebuyer Down Payment Assistance Program
  Forgivable HOME-funded loan · Amount varies by program · City of Irving Community Development & Housing
• City of Fort Worth Homebuyer Assistance Program (HAP)
  Forgivable mortgage assistance loan · Amount varies by program · City of Fort Worth Neighborhood Services Department
• Tarrant County Homebuyer Assistance Program
  Zero-interest deferred forgivable loan (HOME-funded) · Up to $50,000 · Tarrant County Community Development & Housing Department / Housing Channel
• Tarrant County Housing Finance Corporation Bond Program
  Bond-financed first mortgage + DPA · Amount varies by program · Tarrant County Housing Finance Corporation
• City of Arlington Homebuyer Assistance Program (AHAP)
  0% forgivable second loan · Amount varies by program · City of Arlington / Arlington Housing Finance Corp / Housing Channel
• City of Grand Prairie Buying Power Program
  Forgivable grant for down payment/closing costs · Amount varies by program · City of Grand Prairie Housing & Neighborhood Services
• San Antonio Homeownership Incentive Program (HIP 80)
  Zero-interest forgivable second loan · Up to $30,000 · City of San Antonio Neighborhood & Housing Services Department (NHSD)
• San Antonio Homeownership Incentive Program (HIP 120)
  Partially forgivable/perpetual second loan · Up to $15,000 · City of San Antonio Neighborhood & Housing Services Department (NHSD)
• Neighborhood Housing Services of San Antonio (NHSSA) DPA
  Second-mortgage down payment assistance · Amount varies by program · Neighborhood Housing Services of San Antonio (non-profit)
• Bexar County HOME Investment Partnerships Program
  HUD HOME-funded homebuyer assistance · Amount varies by program · Bexar County Community Resources / Housing
• Hill Country Home Down Payment Assistance Program
  30-year fixed first mortgage + DPA forgivable 2nd lien · Amount varies by program · Travis County Housing Finance Corporation (TCHFC)
• TDHCA Williamson County Additional Gift Funds
  Additional DPA gift dollars stacked on TDHCA program · Amount varies by program · TDHCA in partnership with local HFCs
• El Paso Housing Finance Corporation Mi Casa Homebuyer Grant
  Down payment grant + bond-financed mortgage · Amount varies by program · El Paso Housing Finance Corporation (EPHFC)
• Fort Bend County Housing Finance Corporation DPA
  Down payment assistance grant · Amount varies by program · Fort Bend County Housing Finance Corporation (administered by Covenant Capital)
• Montgomery County Down Payment Assistance Program
  HUD HOME-funded down payment subsidy · Amount varies by program · Easter Seals Greater Houston (administrator)
• City of Denton Homebuyer Assistance Program
  Forgivable zero-interest loan · Amount varies by program · City of Denton Community Services
• Denton Affordable Housing Corporation (DAHC) Homebuyer Programs
  Down payment assistance / affordable housing · Amount varies by program · Denton Affordable Housing Corporation
• Housing Channel Down Payment Assistance Counseling
  HUD-certified homebuyer education + DPA delivery partner · Amount varies by program · Housing Channel (non-profit, Fort Worth-based)
• Easter Seals Greater Houston Homebuyer Assistance
  HUD-certified counseling + DPA delivery · Amount varies by program · Easter Seals Greater Houston (non-profit)
• Credit Coalition Down Payment Assistance Programs
  HUD-certified counseling + DPA assistance · Amount varies by program · Credit Coalition (non-profit)
• City of Round Rock CDBG Housing Assistance
  CDBG-funded local housing assistance · Amount varies by program · City of Round Rock (Williamson County)
• City of Corpus Christi Homebuyer Down Payment Assistance Program
  forgivable loan · Amount varies by program · City of Corpus Christi
• City of Plano First-Time Homebuyers Assistance & Education Program
  deferred-payment loan · Amount varies by program · City of Plano Community Services
• City of Laredo First-Time Homebuyer Program
  forgivable loan · Amount varies by program · City of Laredo Community Development
• City of Irving Down Payment Assistance Program
  forgivable loan · Amount varies by program · City of Irving Housing & Human Services
• City of Garland First-Time Homebuyer Program
  forgivable loan · Amount varies by program · City of Garland Housing and Community Services
• Garland Housing Finance Corporation MCC + DPA
  MCC + second lien DPA · Amount varies by program · Garland Housing Finance Corporation
• City of Brownsville Homebuyer Assistance (HBA) Program
  deferred loan · Amount varies by program · City of Brownsville Community Development
• City of Mesquite Down Payment Assistance Program (DPAP)
  forgivable loan · Amount varies by program · City of Mesquite Housing & Community Services
• City of Killeen Homebuyer Assistance Program (HAP)
  deferred forgivable loan · Amount varies by program · City of Killeen Community Development
• McAllen First-Time Homebuyer Program
  deferred forgivable loan · Amount varies by program · City of McAllen
• Midland First-Time Homebuyer Assistance Program
  deferred forgivable loan · Amount varies by program · City of Midland Community Development
• NeighborWorks Waco Down Payment & Closing Cost Assistance
  deferred / forgivable · Amount varies by program · NeighborWorks Waco
• Abilene First Time Homebuyer Program
  deferred forgivable loan · Amount varies by program · City of Abilene Neighborhood Services
• City of Beaumont Down Payment Assistance Program
  deferred forgivable loan · Amount varies by program · City of Beaumont Housing & Community Services
• City of Tyler First Time Homebuyer Program
  deferred forgivable loan · Amount varies by program · City of Tyler Neighborhood Services
• City of Lewisville First-time Home Buyer Assistance Program
  deferred forgivable loan · Amount varies by program · City of Lewisville Neighborhood Services
• City of Wichita Falls First Time Homebuyer Program
  deferred forgivable loan · Amount varies by program · City of Wichita Falls Neighborhood Resources
• City of Galveston Homebuyer Assistance Program (HAP)
  forgivable second mortgage · Amount varies by program · City of Galveston Grants & Housing
• Galveston County Down Payment Assistance Program
  deferred forgivable loan · Amount varies by program · Galveston County Community Services
• City of Bryan Down Payment Assistance Program
  deferred loan · Amount varies by program · City of Bryan Community Development Services
• City of Baytown Homebuyer Assistance Program
  forgivable loan · Amount varies by program · City of Baytown Planning & Development Services
• City of Longview First Time Home Buyer (FTHB) Program
  grant · Amount varies by program · City of Longview Housing
• Brazoria County First Time Homebuyer Program
  deferred forgivable loan · Amount varies by program · Brazoria County Community Development
• Legacy CDC Port Arthur Homebuyer Assistance Program
  forgivable loan · Amount varies by program · Legacy Community Development Corporation
• Legacy CDC Beaumont Homebuyer Assistance Program
  forgivable loan · Amount varies by program · Legacy Community Development Corporation
• Harlingen Community Development Corporation Homebuyer Assistance
  deferred zero-interest loan · Amount varies by program · Harlingen Community Development Corporation
• City of San Angelo Homebuyer's Assistance Program (HAP)
  deferred forgivable loan · Amount varies by program · City of San Angelo Community Development
• City of Victoria Down Payment and Closing Cost Assistance Program
  grant/deferred · Amount varies by program · City of Victoria Community Development
• City of San Marcos First-Time Homebuyers Assistance Program
  forgivable loan · Amount varies by program · City of San Marcos
• City of College Station Down Payment Assistance Program (DAP)
  deferred shared equity · Amount varies by program · City of College Station Community Services
• DeSoto Down Payment Assistance Program (DPAP)
  forgivable loan · Amount varies by program · City of DeSoto
• Travis County HFC Hill Country Home Down Payment Assistance
  forgivable second mortgage · Amount varies by program · Travis County Housing Finance Corporation
• Capital Area Housing Finance Corporation DPA Grant
  grant · Amount varies by program · Capital Area Housing Finance Corporation (CAHFC)
• Avenue CDC Homeownership Center
  homebuyer education + DPA navigation · Amount varies by program · Avenue Community Development Corporation
• Houston Habitat for Humanity Homeownership Program
  affordable mortgage (sweat equity) · Amount varies by program · Houston Habitat for Humanity
• Dallas Area Habitat for Humanity Homeownership Program
  affordable mortgage (sweat equity) · Amount varies by program · Dallas Area Habitat for Humanity
• Austin Habitat for Humanity Homeownership Program
  affordable mortgage + new construction · Amount varies by program · Austin Habitat for Humanity
• Trinity Habitat for Humanity Homeownership Program
  affordable mortgage (no down payment, no interest) · Amount varies by program · Trinity Habitat for Humanity
• Habitat for Humanity of San Antonio Homeownership Program
  affordable mortgage (sweat equity) · Amount varies by program · Habitat for Humanity of San Antonio
• Habitat for Humanity of Texarkana Homeownership Program
  affordable mortgage (sweat equity) · Amount varies by program · Habitat for Humanity of Texarkana
• Habitat for Humanity of Grayson County Homeownership Program
  affordable mortgage (sweat equity) · Amount varies by program · Habitat for Humanity of Grayson County
• Habitat for Humanity of Deep East Texas
  affordable mortgage (sweat equity) · Amount varies by program · Habitat for Humanity of Deep East Texas
• Habitat for Humanity of Montgomery County TX (Homes for Heroes)
  affordable mortgage (sweat equity) · Amount varies by program · Habitat for Humanity of Montgomery County TX
• Bay Area Habitat for Humanity Homeownership
  affordable mortgage (sweat equity) · Amount varies by program · Bay Area Habitat for Humanity
• Catholic Charities of Dallas Homebuyer Education
  homebuyer education + DPA navigation · Amount varies by program · Catholic Charities of Dallas
• Denton Affordable Housing Corporation (DAHC) DPA
  deferred / forgivable assistance · Amount varies by program · Denton Affordable Housing Corporation
• Capital Area Finance Authority (CAFA) Texas
  DPA / MCC program · Amount varies by program · Capital Area Finance Authority
• Houston Harvey Homebuyer Assistance Program 2.0 (HbAP 2.0)
  forgivable_loan · Up to $125,000 · City of Houston Housing & Community Development Department
• Harris County Downpayment Assistance Program (DAP)
  deferred_loan · Up to $23,800 · Harris County Community Services Department / Housing & Community Development
• Travis County Hill Country Home DPA
  forgivable_loan · Up to 6% · Travis County Housing Finance Corporation
• Fort Worth Homebuyer Assistance Program (HAP)
  forgivable_loan · Up to $25,000 · City of Fort Worth Neighborhood Services Department
• Arlington Homebuyers Assistance Program
  forgivable_loan · Up to $20,000 · City of Arlington
• Grand Prairie Buying Power Program
  forgivable_loan · Up to $7,500 · City of Grand Prairie
• Garland First Time Home Buyer Program
  forgivable_loan · Up to $5,000 · City of Garland
• Mesquite Down Payment Assistance Program (DPAP)
  forgivable_loan · Up to $10,000 · City of Mesquite
• Irving Down Payment Assistance Program
  forgivable_loan · Up to $50,000 · City of Irving Housing & Human Services
• Frisco Down Payment Assistance Program
  forgivable_loan · Up to $10,000 · City of Frisco
• McKinney First-Time Homebuyers Purchase Assistance
  forgivable_loan · Up to $10,000 · City of McKinney
• Plano First-Time Homebuyers Assistance & Education
  forgivable_loan · Up to $55,000 · City of Plano Neighborhood Services
• Denton Homebuyers Assistance Program
  forgivable_loan · Up to $50,000 · City of Denton
• Killeen First-Time Homebuyers Assistance
  forgivable_loan · Up to $7,500 · City of Killeen
• Waco Down Payment Assistance Program
  forgivable_loan · Up to $25,000 · City of Waco
• El Paso First-Time Homebuyer Program
  forgivable_loan · Up to $45,000 · City of El Paso Community and Human Development
• El Paso HFC Mi Casa Homebuyer Grant
  grant · Up to $20,000 or Up to 4% · El Paso Housing Finance Corporation
• Corpus Christi First-Time Homebuyer Program
  forgivable_loan · Up to $25,000 · City of Corpus Christi
• Laredo Down Payment Assistance Program
  forgivable_loan · Up to $14,999 · City of Laredo
• Brownsville Homebuyer Assistance Program (HBA)
  deferred_loan · Up to $25,000 · City of Brownsville
• Fort Bend County HFC Down Payment Assistance
  forgivable_loan · Up to 5% · Fort Bend County Housing Finance Corporation
• Lubbock Housing Finance Corporation DPA
  forgivable_loan · Amount varies by program · Lubbock Housing Finance Corporation
• Bank of America Down Payment Grant (South-Central)
  grant · Up to $10,000 or Up to 3% · Bank of America

Multi-state programs covering Texas

• FHLB Dallas HELP
  Grant · Up to $10,000 · FHLB Dallas

National programs

38 federal and national programs apply in every state. See the national programs.