Attention, first-time homebuyers in Texas. Discover affordable homeownership options in the Lone Star State. This guide provides insights into unique assistance programs and resources tailored for Texas residents. From down payment assistance to favorable mortgage options, navigate the dynamic Texas real estate market with confidence. Embrace the Texan charm and find your dream home in the vibrant communities and wide-open spaces of Texas.
State-Wide Programs
| Program | Assistance Offered | Who Should Apply | Assistance Type |
|---|---|---|---|
| Down Payment Assistance up to 5% of the loan amount | Any homebuyer that can meet income and credit score requirements and buying outside the city limits of El Paso, Grand Prairie, McKinney, and Travis County | Grant | |
| Down Payment Assistance up to 7% of the loan amount | Any homebuyer that can meet income and credit score requirements and are buying ouside city limits of El Paso, McKinney, and Grand Prarie | Forgivable second lein | |
| Down Payment Assistance up to 5% of the loan amount | Any homebuyer that can meet income and credit score requirements and buying outside the city limits of El Paso, Grand Prairie, and Travis County | Grant | |
| Reduces up to $2,000 in mortgage interest that you pay into federal taxes for the life of your loan | First time homebuyers and veterans | Tax credit | |
| Down Payment Assistance up to 5% of the loan amount | First time homebuyers that can meet credit score requirements | Second lein with a 0% interest rate | |
| Down Payment Assistance up to 5% of the loan amount | Any homebuyer that can meet income and credit score requirements | Second lein with a 0% interest rate | |
| Down Payment Assistance up to 5% of the loan amount | Homebuyers currently employed as teachers, police officers, firefights, EMS, corrections officers, and veterans | Grant or forgivable second lein | |
| Down Payment Assistance up to 5% of the loan amount | Any homebuyer that can meet income and credit score requirements | Grant or forgivable second lein | |
| Reduces up to $2,000 in mortgage interest that you pay into federal taxes for the life of your loan | First time homebuyers who qualify for Texas Heros or Home Sweet Texas homebuyer programs | Tax credit |
Regional Programs
| County/Region | Program | Assistance Offered | Who Should Apply | Assistance Type |
|---|---|---|---|---|
| Brazoria | Up to $5,000 in down payment and closing cost assistance | Resident first time homebuyers purchasing single family residences | Forgivable second lein with a 0% interest rate | |
| Harris County | Up to $23,800 in down payment assistance | Resident first time homebuyers that can meet income and credit score requirements | Second lien | |
| Travis County | Up to 6% of the loan amount you can use for down payment assistance | First time homebuyers that can meet income and credit score requirements | Forgivable second lein with a 0% interest rate |
City Programs
| City | Program | Assistance Offered | Who Should Apply | Assistance Type |
|---|---|---|---|---|
| Abilene | Up to $5,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements and have lived in Abeliene for 6 months or worked in Abilene for 2 years | Grant | |
| Arlington | Up to $20,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable second lein with a 0% interest rate | |
| Austin | Up to $14,999 in down payment assistance | First time homebuyers, or homebuyers recently displaced or divorced that can meet income requirements | Forgivable second lein with a 0% interest rate | |
| Baytown | Up to $9,000 in down payment and closing cost assistance | Resident first time homebuyer | Forgivable second lein with a 0% interest rate | |
| Beaumont | Up to $14,999 in down payment assistance | First time homebuyers that can meet income requirements | Forgivable second lein with a 0% interest rate | |
| Brownsville | Up to $25,000 in down payment assistance | First time homebuyers that can meet income and credit score requirements | Deffered loan with a 0% interest rate | |
| Bryan | Up to $7,500 in down payment assistance | Resident first time homebuyers that can meet income requirements | Deffered loan with a 0% interest rate | |
| College Station | Up to $49,900 in down payment assistance | Any homebuyer that can meet income and credit score requirements | Deffered loan with a 0% interest rate | |
| Corpus Christi | Up to $10,000 in down payment assistance | Any homebuyer that can meet income requirements | Forgivable second lein with a 0% interest rate | |
| Corpus Christi | Up to $10,000 in down payment assistance | Any homebuyer that can meet income requirements | Forgivable second lein with a 0% interest rate | |
| Denton | Up to $60,000 in down payment assistance | Any homebuyer that can meet income requirements | Forgivable second lein with a 0% interest rate | |
| El Paso | Up to $5,000 in down payment assistance | First time homebuyers that can meet income requirements | Forgivable loan with a 3% interest rate | |
| El Paso | Up to $35,000 in down payment assistance | First time homebuyers that can meet income requirements | Not specified | |
| Fort Worth | Up to $20,000 in down payment assistance | First time homebuyers that can meet income requirements | Not specified | |
| Frisco | Up to $10,000 in down payment assistance | First time homebuyers that have been employed by the City or ISD for 6 months | Forgivable loan with a 0% interest rate | |
| Galveston | Up to $14,500 in down payment assistance | First time homebuyers that can meet income requirements | Forgivable second lein with a 0% interest rate | |
| Grand Prairie | Up to $5,000 in down payment assistance | First time homebuyers that can meet income requirements | Grant | |
| Harlingen | Not specified | First time homebuyers that can meet income requirements | Not specified | |
| Houston | Up to $30,000 in down payment assistance | First time homebuyers that can meet income requirements | Forgivable second lien with a 0% interest rate | |
| Houston | Up to $30,000 in down payment assistance | Residents of Huston who experienced Hurricane Harvey (2017) and are considered first time homebuyers that can also meet income requirements | Forgivable second lein with a 0% interest rate | |
| Irving | Up to $50,000 in down payment assistance | Resident first time homebuyers that can meet income requirements | Forgivable second lein with a 0% interest rate | |
| Killeen | Up to $7,500 in down payment assistance | First time homebuyers that can meet income requirements | Forgivable second lein with a 0% interest rate | |
| Laredo | Up to $30,000 in down payment assistance | Resident first time homebuyers that can meet income requirements and have 2 years of consecutive employment | Forgivable second lein with a 0% interest rate | |
| McKinney | Up to $10,000 in down payment assistance | Resident first time homebuyers that can meet income requirements | Forgivable second lein with a 0% interest rate | |
| Mesquite | Up to $7,000 in down payment assistance | First time homebuyers that can meet income requirements | Forgivable second lein with a 0% interest rate | |
| Midland | Up to $15,000 in down payment assistance | Resident first time homebuyers that can meet income requirements | Not specified | |
| Odessa | Up to 10% of sale price that can be used for down payement assistance and $3,500 towards closing costs | Resident first time homebuyers that can meet income requirements | Deferred loan with a 0% interest rate | |
| Plano | Up to $10,000 in down payment assistance | Resident first time homebuyers that can meet income requirements | Forgivable second lein with a 0% interest rate | |
| Plano | Up to $55,000 in down payment assistance | Resident first time homebuyers that can meet income requirements | Forgivable second lein with a 0% interest rate | |
| San Angelo | Up to $15,000 in down payment assistance | First time homebuyers that can meet income requirements and have not commited a felony in 5 years | Forgivable second lein with a 0% interest rate | |
| San Angelo | Up to $40,000 in down payment assistance | First time homebuyers that can meet income requirements and have not commited a felony in 5 years | Not specified | |
| San Antonio | Up to $15,000 in down payment assistance | First time homebuyers that can meet income requirements | Forgivable second lein with a 0% interest rate | |
| San Marcos | Up to $7,000 in down payment assistance | First time homebuyers that can meet income requirements | Forgivable second lein with a 0% interest rate | |
| Texarkana | Closing costs and down payment assistance - amount not specified | First time homebuyers that can meet income requirements | Forgivable, deferred loan | |
| Texas City | Up to $7,500 in down payment assistance | Resident first time homebuyers that can meet income requirements | Not specified | |
| Waco | Up to $25,000 in down payment assistance | Any homebuyer that can meet income requirements | Not specified | |
| Wichita Falls | Up to $7,500 in down payment assistance | Resident first time homebuyers that can meet income requirements or single parents/ legally seperated with custody of minors | Forgivable second lein with a 0% interest rate |
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