Down payment assistance in Dallas County, Texas

1 county-wide program and 3 programs limited to specific cities listed for Dallas County, plus 27 statewide Texas programs that also apply here. Every amount and rule below comes from the provider's published terms.

Dallas County programs

• Dallas Homebuyer Assistance Program (DHAP)
  Forgivable deferred down payment loan · Up to $60,000 · City of Dallas Housing & Homelessness (administered by BCL of Texas)
  City of Dallas program, city limits only
• 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 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 Garland program, city limits only
• City of Irving Homebuyer Down Payment Assistance Program
  Forgivable HOME-funded loan · Amount varies by program · City of Irving Community Development & Housing
  City of Irving program, city limits only

Texas statewide programs (apply here too)

• 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

National programs

38 federal and national programs apply in every county. See the national programs. See all of Texas's programs.