Down Payment Programs For Texas Homebuyers

State & Local Government Programs

Harris County - Up to $23,800 for New and Existing Homes

  •  First-time homebuyers only
  • Income limits apply - Must be at or below 80% of the Area Median Family Income (AMFI) based on household size
  • New construction homes must be Energy Star certified
  • Existing homes must be less than 20 years old
  • Home must be in Harris County, but outside the city limits of Houston, Pasadena, and Baytown

Homes For Texas Heroes

  • Up to 5% of the loan amount in assistance
  • Grant based program - No need to repay the DPA
  • For qualified educators, emergency medical personnel, fire fighters, corrections, officers, allied health faculty , county jailers, juvenile correction officers, nursing faculty, peace officers, public security officers, or veterans
  • Household income and purchase price limits apply
  • Home can be located anywhere in Texas
  • Funds provided by TSAHC

City of Houston - Up to $15,000 for new and existing homes

  •  For homebuyers who pay taxes to the city of Houston and who currently don't own property
  • Income limits apply - Must be at or below 80% (Houston HOPE) and 110% (Workforce Housing) of the Area Median Family Income (AMFI) based on household size

Home Sweet Texas Home Loan

  •  Up to 5% of the loan amount in assistance
  • Grant based program - No need to repay the DPA
  • Household income and purchase price limits apply
  • Home can be located anywhere in Texas
  • Funds provided by TSAH

5 Star Program

  • Up to 6% of the loan amount in assistance
  • Grant based program - No need to repay the DPA
  • Homebuyer must meet household income limits
  • Home can be located anywhere in Texas, except within the city limits of Grand Praire, El Paso, McKinney, and Travis County (including the City of Austin)
  • Funds provided by SETH

Montgomery County - Up to $14,500 for new and existing homes

  • First-time homebuyers only
  • Income limits apply - Must be at or below 80% of the Area Median Family Income (AMFI) based on household size
  • Home must be in Montgomery County, but outside the city limits of Conroe
  • Maximum sales price of as set by HUD ($183,000 existing home, $228,000 new home)

My First Texas Home

  • Up to 5% of the loan amount as a second mortgage loan (must be paid back)
  • Household income limits apply - $69,300 for 1 to 2 people and $79,695 for 3 or more people
  • Home can be located anywhere in Texas
  • Funds provided by TDHCA

Homebuyer Education

Video 1 - How Much Will A Home Cost Me?

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Video 2 - 5 Sources of Down Payment Assistance 

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Video 3 - Texas Down Payment Programs  

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Video 4 - Down Payment Programs Ins & Outs

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Video 5 - S.E.T.H. & H.A.T. Program Details 

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Video 6 - A Home Purchase Scenario  

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Video 7 - Negotiation Terms

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Video 8 - What Happens After Your Contract Is Accepted

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Would you like to get pre-approved for one of these programs or do you have a question?

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How to Buy a Home With No Money Down

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