Texas Down Payment Assistance Programs

Texas down payment assistance is offered statewide through TDHCA and TSAHC, plus city and county programs in Houston, Dallas, Austin and other areas.

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    • The short answer

    Texas down payment assistance programs

    My First Texas Home (TDHCA)

    A fixed-rate first mortgage for first-time buyers with optional down payment and closing-cost assistance.

    My Choice Texas Home (TDHCA)

    Down payment and closing-cost assistance for first-time and repeat buyers who meet income limits.

    TSAHC Homes for Texas Heroes and Home Sweet Texas

    Assistance from the Texas State Affordable Housing Corporation for teachers, first responders, veterans and other eligible buyers.

    Texas Mortgage Credit Certificate

    A federal tax credit on a portion of the mortgage interest you pay each year.

    Who usually qualifies

  • Household income under program limits for your county
  • Purchase price under program limits
  • Completion of a homebuyer education course
  • Owner-occupied primary residence
  • Minimum credit score set by the program and loan type

    • Program funding, amounts and income limits change often. We confirm current limits for your county before you make an offer.

    Texas questions

    How much down payment assistance can I get in Texas?

    It depends on the program, your income and the loan amount. TDHCA and TSAHC assistance is typically a percentage of the loan amount. We check current limits for your county before you make an offer.

    Do I have to be a first-time buyer in Texas?

    Not for every program. My Choice Texas Home and some TSAHC programs are open to repeat buyers who meet income limits.

    Is Texas down payment assistance forgivable?

    Some is. Depending on the program, assistance may be a grant, a forgivable second loan, or a deferred second loan repaid when you sell or refinance.

    Next step

    Understand rate locks in Texas

    Keep exploring

    First-time buyers in Texas

    Programs, credit minimums and steps.

    Mortgage pre-approval guide

    What lenders verify and how long it takes.

    The home buying process

    All 8 steps from search to closing.

    Closing costs explained

    What you'll pay at closing and why.