Get Up to $25,000+ to Buy Your Texas Home
Texas Down Payment Assistance programs help qualified homebuyers overcome the biggest barrier to homeownership: the down payment and closing costs.
Why Down Payment Assistance?
The down payment is the #1 barrier preventing qualified Texans from achieving homeownership. Here's why:
High Down Payment Requirements
Traditional mortgages often require 3-20% down, meaning $9,000-$60,000 on a $300K home.
Rising Home Prices
Texas home prices have increased significantly, making saving for a down payment increasingly difficult.
Closing Costs
Beyond the down payment, buyers need 2-5% for closing costs, adding thousands more to upfront expenses.
First-Time Buyer Challenges
Without prior home equity, first-time buyers struggle to compete with cash offers and experienced buyers.
The Solution: DPA Programs
Texas offers multiple down payment assistance programs that provide grants and 0% interest loans to help you overcome these barriers and achieve homeownership.
Traditional Down Payment vs With DPA Programs
See how down payment assistance programs dramatically reduce the upfront cash needed to buy your Texas home.
Down Payment Amount
Closing Costs
Upfront Cash Needed
Interest Rate on Assistance
Repayment Required
Income Limits
Credit Score Requirements
First-Time Buyer Only
| Feature | Traditional Down Payment | With DPA Programs |
|---|---|---|
| Down Payment AmountKey Benefit | 3-20% ($9K-$60K on $300K home) | As low as 0.5% (rest covered by DPA) |
| Closing CostsKey Benefit | 2-5% out of pocket ($6K-$15K) | Often covered by assistance programs |
| Upfront Cash NeededKey Benefit | $15,000 - $75,000 | $1,500 - $5,000 |
| Interest Rate on Assistance | N/A | 0% on most DPA loans |
| Repayment Required | N/A | Often forgiven after 3-5 years |
| Income Limits | None (except for qualification) | Varies by program (up to $150K+) |
| Credit Score Requirements | 620-640 minimum typically | Same or slightly higher (640-660) |
| First-Time Buyer Only | No | Most programs, but not all |
Ready to save tens of thousands on your down payment?
Texas DPA Programs
Multiple programs are available to help qualified Texas homebuyers. Here are the most popular options:
TSAHC My First Texas Home
Texas State Affordable Housing Corporation
Eligibility Highlights:
- First-time homebuyers
- Income limits up to $150K (varies by county)
- Works with FHA, VA, USDA, and Conventional loans
- 640+ credit score
- Must complete homebuyer education
TDHCA My First Texas Home
Texas Department of Housing & Community Affairs
Eligibility Highlights:
- First-time or repeat buyers (in targeted areas)
- Income limits vary by county and household size
- Down payment and closing cost assistance
- 660+ credit score recommended
- Available statewide
Local City/County Programs
Various municipalities
Eligibility Highlights:
- City-specific programs (Austin, Dallas, Houston, etc.)
- May have additional local incentives
- Often combined with state programs
- Income and location requirements vary
- Some programs for teachers, first responders
FHA 203(b) with DPA
Federal Housing Administration
Eligibility Highlights:
- Low down payment (3.5%)
- Can be combined with DPA grants
- More flexible credit requirements
- 580+ credit score
- Popular choice for first-time buyers
Not Sure Which Program Is Right for You?
Use our eligibility calculator to find out which programs you qualify for based on your income, purchase price, and location.
How It Works
Getting down payment assistance is easier than you think. Follow these three simple steps to homeownership.
Check Eligibility & Get Pre-Approved
Complete our quick eligibility calculator and connect with a DPA-approved lender. Get pre-approved to understand your budget and which programs you qualify for.
- Takes 5-10 minutes
- Free consultation with Abdul
- Learn exact assistance amount
- No obligation
Find Your Dream Home
Work with a real estate agent to find a home within program guidelines. Your lender will ensure the property qualifies and help coordinate the DPA application.
- Shop with confidence
- Know your true budget
- Agent coordination
- Program compliance verified
Close & Move In
Complete your DPA application, finalize your mortgage, and close on your home. The assistance is applied at closing, dramatically reducing your out-of-pocket costs.
- Assistance applied at closing
- Reduced upfront costs
- Move-in ready
- Forgiveness timeline starts
Eligibility Calculator
Find out which programs you qualify for and how much assistance you could receive.
Enter the home price you're considering
Combined gross income before taxes
Start Your Application
Answer a few quick questions to see if you qualify for down payment assistance.
Your information is secure and will never be shared
Success Stories
See how Texas families are achieving homeownership with down payment assistance.
"We never thought we could afford a home in Austin with prices so high. The DPA program gave us $15,000 toward our down payment, and Abdul walked us through every step of the process. We're now proud homeowners!"
Ready to write your own success story?
Frequently Asked Questions
Get answers to common questions about Texas down payment assistance programs.
Still have questions?
Abdul is here to help! Get personalized answers and guidance for your situation.
Ready to Get Started?
Connect with Abdul, your dedicated Texas DPA specialist, to explore your options and start your homeownership journey.
Abdul
DPA Program Specialist
"I'm passionate about helping Texas families achieve homeownership. With extensive knowledge of DPA programs, I'll guide you through every step and maximize your assistance."
Qualifications & Experience
- DPA Program Specialist
- Licensed Mortgage Professional
- First-Time Homebuyer Expert
- 1000+ Texas Families Helped
- NMLS Licensed & Insured
Contact Information
Why Work With Abdul?
Expert DPA Knowledge
Deep understanding of all Texas DPA programs, eligibility requirements, and how to maximize your assistance.
Personalized Guidance
Every buyer's situation is unique. Abdul provides customized strategies based on your income, credit, and goals.
Simplified Process
Navigate complex applications with ease. Abdul handles the paperwork and coordinates with all parties.
Fast Response Time
Get answers when you need them. Abdul typically responds within hours, not days.
No Obligation Consultation
Free initial consultation to assess your eligibility and discuss your options. No pressure, just honest advice.
100% Free Consultation
No cost, no obligation. Just expert advice on your down payment assistance options.