Elite Realty Group NTX | North Texas Real Estate

West Texas Down Payment Assistance

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A Guide to Down Payment Assistant Programs in Texas.

West Texas Homebuyer Assistance

West Texas Down Payment Programs

Local assistance programs may help eligible West Texas buyers reduce the upfront cost of purchasing a primary residence.

Elite Realty Group helps buyers understand city boundaries, property eligibility, buyer-contribution requirements, and the lender coordination often involved in these programs.

Common Requirements

Local programs begin with location and occupancy.

These programs are locally sponsored. Buyers generally must purchase within the applicable city limits and occupy the home as their primary residence.

01

City Limits

The property must usually be located within the sponsoring city.

02

Primary Residence

The home must generally become the buyer’s principal residence.

03

Buyer Education

Completion of an approved homebuyer education course may be required.

04

Buyer Contribution

Buyers may need to contribute some of their own funds toward closing.

West Texas Programs

Local assistance by city and program.

01Midland

Midland Homebuyer Assistance Program

Up to $15,000

First-time homebuyer requirement
Midland residency for at least 30 days
U.S. citizenship requirement
No outstanding government debts or obligations
HUD household-income guidelines may apply

View Midland Program

02Odessa

Odessa Homebuyer Assistance Program

Up to $24,000

Maximum combined assistance shown for qualifying new construction.

New construction: up to $20,000 for down payment and $4,000 for closing costs
Existing construction: up to $10,000 for down payment and $3,500 for closing costs
Minimum credit score of 580
HUD annual-income limits may apply
No-interest, deferred-payment second mortgage

View Odessa Program

03Abilene

Neighborhood Services of Abilene

$5,000

Down payment and closing-cost assistance
First-time homebuyer requirement
Abilene residency for at least six months
HUD income limits may apply
Ten hours of community service may be required

View Abilene Program

04San Angelo

San Angelo Homebuyer Assistance Program

Up to $15,000

Assistance limited to $15,000 or 15% of appraised value, whichever is less
Program income limits may apply
No felony conviction within the last five years
No outstanding tax obligations
Five-year occupancy may result in loan forgiveness

View San Angelo Program

05San Angelo

Affordable Housing Assistance Program

Up to $50,000

Gap-reduction and mortgage-buydown assistance
First-time homebuyer requirement
One year of San Angelo residency or qualifying local employment
Income may not exceed 80% of Area Median Income
New construction in a targeted revitalization area
Minimum first mortgage of $60,000
No-interest, deferred 30-year second mortgage

View Affordable Housing Program

Quick Comparison

Assistance at a glance.

West Texas down payment assistance program comparison
Program	Maximum Assistance	Structure
Midland	Up to $15,000	Program-specific assistance
Odessa	Up to $24,000 combined	Deferred second mortgage
Abilene	$5,000	Down payment and closing costs
San Angelo	Up to $15,000	Forgivable deferred loan
San Angelo Affordable Housing	Up to $50,000	Deferred 30-year second mortgage

This page reflects the program details supplied for this design and is provided for general educational purposes only. Program funding, assistance amounts, residency rules, income limits, property-price limits, forgiveness terms, and eligibility requirements may change. Confirm all current requirements with the applicable city, housing agency, and an approved licensed mortgage professional.

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