Grants, forgivable loans, and subsidized mortgages — many Texas buyers qualify for $230,000+ in assistance and don't even know it.
Find your programs →Click any program for full details, eligibility, and how to apply.
Up to 5% of loan amount for down payment and closing costs. 30-year fixed below-market rate.
DPA + below-market rateHouse-hack eligibleUp to 5% DPA. Same as My First Texas Home but NO first-time buyer requirement.
DPA programHouse-hack eligible3-5% of loan amount as a TRUE GRANT — never has to be repaid. For low-to-moderate income buyers.
GrantHouse-hack eligible3-5% grant for teachers, firefighters, police, veterans, EMS, and corrections officers. Plus free MCC.
GrantHouse-hack eligibleFederal tax credit of up to $2,000 per year for the life of your mortgage. Stackable with DPA programs.
Annual tax creditUp to $60,000 in down payment and closing cost assistance for Dallas residents.
DPA programUp to $50,000 in down payment and closing cost assistance for Houston residents.
DPA programUp to $40,000 at 0% interest. Loans under $14,900 forgiven after 5 years, larger loans after 10 years.
Forgivable loanUp to $50,000 for buyers in Fort Worth and Tarrant County.
DPA programUp to $30,000 in down payment assistance for San Antonio buyers.
DPA program3.5% down payment with 580+ credit. The most popular first-time buyer loan in America.
Subsidized loanHouse-hack eligibleZero down payment, no PMI for eligible veterans and active-duty service members.
Federal benefitHouse-hack eligibleZero down payment for rural and suburban areas. 97% of US land qualifies.
Subsidized loan3% down with reduced mortgage insurance for low-to-moderate income buyers.
Subsidized loanHouse-hack eligible3% down with flexible funding sources including gifts and employer assistance.
Subsidized loanHouse-hack eligibleNo down payment, no closing costs, no PMI, below-market rate. Character-based lending.
Nonprofit programHouse-hack eligible50% off purchase price for teachers, law enforcement, firefighters, and EMTs.
GrantThere are 10 state-specific programs and 7 federal programs available in Texas, totaling 17 programs.
Not all programs require first-time buyer status. Several Texas programs are available to repeat buyers. 'First-time buyer' means you haven't owned a home in the past 3 years.
Yes. Many DPA programs allow 1-4 unit properties. Live in one unit and rent the others — this is called house-hacking.