Down Payment Assistance Programs in Texas

Texas has two primary state agencies that offer down payment assistance for homebuyers: the Texas State Affordable Housing Corporation (TSAHC) and the Texas Department of Housing and Community Affairs (TDHCA). Both offer programs that can help buyers with down payment and closing cost needs.

TSAHC Home Sweet Texas Program TSAHC's Home Sweet Texas Home Loan Program is available to low and moderate-income buyers statewide. It offers 30-year fixed-rate mortgages with down payment assistance of up to 5 percent of the loan amount. The assistance can be structured as a grant (no repayment required) or as a second lien.

TSAHC Homes for Texas Heroes The Homes for Texas Heroes program extends enhanced benefits to teachers, police officers, firefighters, EMTs, veterans, and nurses. The assistance structure is similar to Home Sweet Texas but the program acknowledges the specific service of these professions.

TDHCA My First Texas Home The My First Texas Home program offers 30-year fixed-rate mortgages with down payment and closing cost assistance of up to 5 percent. It is specifically for first-time homebuyers (defined as not having owned a home in the past three years) and veterans.

Local Programs Worth Exploring Many Texas cities have local down payment assistance programs. Houston, Dallas, San Antonio, and Fort Worth all have city-sponsored programs with varying benefit amounts and eligibility requirements. These can sometimes be layered with state programs for greater combined assistance.

Income Limits and Purchase Price Caps All programs have income limits based on family size and county, as well as purchase price caps. These vary by market and are updated regularly.

Working With a Homexa® Agent in Texas Homexa® agents in Texas know how to connect buyers with the right programs and lenders. Connect with a Homexa® agent to explore what you qualify for in your target Texas market.