Resource Guide

Down Payment Assistance in Texas

Texas offers several programs to help homebuyers with down payment and closing costs. Here's what you need to know about the most popular options.

One of the biggest barriers to homeownership is coming up with the upfront cash for a down payment and closing costs. The good news? Texas has some of the best down payment assistance programs in the country. Many buyers qualify and don't even know it.

Here's an overview of the major programs available. Eligibility requirements can change, so I always recommend having a conversation to see which programs you specifically qualify for.

TSAHC — Texas State Affordable Housing Corporation

TSAHC offers programs for both first-time and repeat homebuyers. Their assistance comes in the form of grants (free money that doesn't need to be repaid) or forgivable second liens.

Homes for Texas Heroes

For teachers, firefighters, EMS, police, corrections officers, and veterans. Offers down payment assistance up to 5% of the loan amount.

Home Sweet Texas

Available to all eligible homebuyers who meet income and purchase price limits. Also offers up to 5% in assistance.

Other Options to Know About

FHA Loans — Require only 3.5% down with a 580+ credit score. A great option for buyers with limited savings.

VA Loans — 0% down payment for eligible veterans and active-duty service members. One of the best loan programs available.

USDA Loans — 0% down payment for homes in eligible rural areas. More areas qualify than you might think.

Conventional 97 — Only 3% down required. Available to first-time buyers with a 620+ credit score.

Builder Incentives — Many Texas builders offer closing cost assistance or rate buydowns. Always worth asking about.

Local City Programs — Many Texas cities offer their own down payment assistance. Houston, Dallas, San Antonio, and Austin all have local programs worth exploring.

Important: Eligibility Varies

Each program has specific income limits, purchase price limits, and other requirements that can change. The best way to find out what you qualify for is to have a conversation with a loan officer who knows these programs inside and out. That's exactly what I do.

Let's Find Your Down Payment Solution

I'll review your situation and identify every program you qualify for. You might be surprised by how much help is available.

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