Texas Down Payment Assistance
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.
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
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
Local City Programs
Assistance may also be available through local housing departments.
Homebuyer Assistance Program
May assist with eligible down payment and closing costs through approved local lenders.
Down Payment Assistance
May cover up to 50% of eligible needs through a deferred, forgivable-loan structure.
Local Housing Programs
Programs may support low- to moderate-income households with down payment and closing-cost assistance.
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.
Credit Score
A minimum credit score near 620 is commonly required, though lender and program standards may vary.
Income Limits
Household income limits may vary by county, household size, and selected assistance program.
Homebuyer Education
Completion of an approved homeownership course may be required before closing.
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.
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.
Texas Homebuyer Assistance
Statewide Texas Down Payment Programs
Four statewide programs may help qualified Texas buyers reduce the upfront cost of purchasing a home.
Assistance may be offered as a grant, forgivable second lien, or deferred second mortgage, depending on the program, lender, and borrower eligibility.
General Eligibility
What buyers should understand first.
Credit Profile
Many programs use a minimum qualifying credit score near 620, subject to current program and lender requirements.
Property Location
The home must be located in Texas and satisfy the property-type rules of the selected assistance program.
Income & Price
County income limits, household size, and maximum purchase-price limits may apply.
Approved Financing
Buyers generally apply through a participating or approved mortgage lender.
Public-Service Buyers
Homes for Texas Heroes
Designed for eligible public-service professionals, including veterans, teachers, school employees, police officers, firefighters, and other qualifying occupations.
- Assistance may range from 2% to 5% of the first mortgage
- Occupation-based eligibility requirements
- Income and property-price limits may apply
Statewide Buyers
Home Sweet Texas
A statewide option for eligible Texas buyers who meet current credit, income, loan, property, and purchase-price requirements.
- Assistance may range from 2% to 5% of the first mortgage
- Available to qualifying Texas homebuyers
- County and program limits may apply
First-Time Buyers & Veterans
My First Texas Home
Created for eligible first-time homebuyers and qualifying veterans using a participating mortgage lender.
- Assistance may be available up to 5% of the mortgage amount
- Designed for first-time buyers and eligible veterans
- County purchase-price and income limits may apply
Eligible Texas Buyers
My Choice Texas Home
Available to qualifying Texas buyers who meet the current financial, property, and lender requirements.
- Assistance may be available up to 5% of the mortgage amount
- Not limited only to first-time homebuyers
- Application through an approved lender
How Assistance May Be Structured
Support may come as a grant or a second mortgage.
Funds that may not require repayment when all program conditions are satisfied.
A subordinate loan that may be forgiven over time when occupancy and other requirements are met.
A subordinate loan with repayment delayed until sale, refinance, payoff, or another triggering event.
Program terms, assistance amounts, credit standards, income limits, purchase-price limits, property requirements, repayment terms, and funding availability may change. Final eligibility must be confirmed by the applicable program administrator and a participating licensed mortgage professional.
Our stats
Experience Matters
The Nation's
#1
Redfin Team
Top
Real Estate
Brokerage Nationally
Premier
Presidents
Club
Real Estate Brokerage
Operational Volume
Based on recent reports, Redfin operates with a substantial real estate transaction volume:
Recent Trends
58.9 Million
visits in Feb 2026
Redfin.com
93.2 million
monthly visitors
Total
1
Billion
Sales
Let’s Build Your Next Move
Schedule a Call
Not sure if now’s the right time to buy or sell? Looking to connect with a Redfin Premier Agent? We’d love to get to know more about you and your needs! Feel free to use any of the options here to get in touch with us.