Texas Down Payment Assistance Programs

Nation's #1 Redfin Team

A Guide to Down Payment Assistant Programs in Texas.

North Texas Homebuyer Resource

Down Payment Assistance Across North Texas

Eligible North Texas buyers may have access to grants, forgivable loans, and assistance of up to 5% of the loan amount.

Statewide and local programs may help with down payments and closing costs, subject to income limits, credit requirements, lender approval, location, and program availability.

Potential Assistance

Up to 5%

Help with eligible down payment and closing expenses.

Assistance may be structured as a grant, deferred loan, or forgivable second lien depending on the program and borrower qualifications.

State and Regional Programs

Statewide options for qualified Texas buyers.

01Statewide

TSAHC Programs

Programs may provide 3% to 5% in assistance through grants or forgivable second liens.

Home Sweet Texas
Homes for Texas Heroes
Options for teachers, veterans, and first responders

Review TSAHC

02Texas Counties

TDHCA Programs

Eligible borrowers may access fixed-rate mortgage options paired with flexible down payment assistance.

30-year fixed-rate mortgages
County-based eligibility
Program-specific income and purchase-price limits

Explore Texas Programs

Local City Programs

Assistance may also be available through local housing departments.

Fort WorthUp to $25,000

Homebuyer Assistance Program

May assist with eligible down payment and closing costs through approved local lenders.

MesquiteUp to $10,000

Down Payment Assistance

May cover up to 50% of eligible needs through a deferred, forgivable-loan structure.

Dallas & IrvingTargeted Assistance

Local Housing Programs

Programs may support low- to moderate-income households with down payment and closing-cost assistance.

ArlingtonLocal Eligibility

City-Based Resources

Assistance may depend on funding availability, property location, household income, and lender participation.

Common Qualification Rules

What buyers may need before applying.

01

Credit Score

A minimum credit score near 620 is commonly required, though lender and program standards may vary.

02

Income Limits

Household income limits may vary by county, household size, and selected assistance program.

03

Homebuyer Education

Completion of an approved homeownership course may be required before closing.

04

Approved Lender

Many programs require the buyer to work with a participating or approved mortgage lender.

Official Program Resources

Review current options before making an offer.

Program funding, income limits, and assistance structures may change. Confirm current requirements directly with the program administrator and a participating lender.

Texas Homebuyer Program TSAHC Guidelines

This page is based on the program information supplied for this design and is provided for general educational purposes only. It does not constitute mortgage, lending, legal, tax, or financial advice. Program funding, assistance amounts, income limits, credit requirements, and eligibility rules may change. Confirm current information with the applicable housing agency and a participating licensed mortgage professional.

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