You could buy a home with little to nothing down — and you may not even know you qualify.
Texas families are leaving thousands in free grants on the table. Answer 6 quick questions and we’ll match you to the programs you’re actually eligible for — in under 60 seconds.
0% down options
Grants you never repay
From “I can’t afford it” to keys in hand
Down payment assistance sounds complicated. With the right guide, it isn’t.
Check eligibility
Take the 60-second quiz to see which Texas grants and loans you match.
Get matched & pre-approved
We connect you with DPA-experienced lenders and confirm your real numbers.
Find your home
We help you shop homes that fit both your budget and the program rules.
Close with assistance
Apply the grant or forgivable loan toward your down payment and costs.
Texas down payment programs at a glance
A snapshot of what’s available. Income, price, and location limits apply — the quiz tells you which ones fit you.
Harris County DPA
- First-time buyers, at/below 80% AMFI
- Outside Houston, Pasadena & Baytown
- Existing homes under 20 years old
Homes for Texas Heroes
- Teachers, first responders, veterans & more
- Grant — never has to be repaid
- Anywhere in Texas (TSAHC)
City of Houston DPA
- For buyers who pay City of Houston taxes
- Must not currently own property
- Houston HOPE & Workforce Housing tiers
Home Sweet Texas
- Open to all qualifying buyers (TSAHC)
- Grant — no repayment required
- Income & price limits, statewide
SETH 5 Star Program
- One of the highest assistance percentages
- Statewide (a few city exclusions)
- Household income limits apply
Montgomery County DPA
- First-time buyers, at/below 80% AMFI
- Outside Conroe city limits
- HUD price caps apply
FHA · VA · USDA Loans
- FHA: as little as 3.5% down
- VA: 0% down for veterans & military
- USDA: 0% down in eligible areas
My First Texas Home
- Second-mortgage assistance (repaid)
- Income limits by household size
- Statewide (TDHCA)
Employer & nonprofit DPA
- Hospital, university & corporate programs
- NeighborWorks grants & counseling
Not sure which program fits you?
That’s exactly what we do. Take the quiz or grab a free 15-minute eligibility call — no pressure, no obligation.
What homebuyers ask us most
It depends on the program. Many Texas programs (TSAHC, SETH) are grants you never repay. Others are forgivable after a set period, and a few are low-interest second mortgages. The quiz flags which type you’d qualify for.
Not necessarily. Several statewide programs allow repeat buyers, and “first-time” usually just means you haven’t owned in the last 3 years. Answer “yes” on the quiz and we’ll show you the repeat-buyer-friendly options.
Most programs start around 620, and some are more flexible. If your credit needs work, we can connect you with lenders and a simple plan to get there — many of our clients started below the line.
No. As your buyer’s agent, our commission is typically paid through the transaction. The eligibility quiz and consultation are completely free.
We’re a licensed Texas real estate brokerage — Bruno Fine Properties. We don’t issue the loans, but we know these programs inside-out and partner with DPA-experienced lenders to get you approved and to the closing table.
Ready to find out what you qualify for?
It takes 60 seconds and could be worth tens of thousands toward your first home. Let’s see your real numbers.
Don’t leave free money behind
Get our free Texas Down Payment Programs Cheat Sheet — every grant, who qualifies, and how much, in one page.
We’ll also text you the quiz link. Unsubscribe anytime.