Guides / Down Payment Assistance / Texas

Down Payment Assistance in Texas

Texas runs down payment assistance through two state agencies — TDHCA and TSAHC — plus city- and county-level programs in major metros. Most pair a 30-year fixed first mortgage with assistance structured as a forgivable or deferred second lien, not cash you have to pay back if you stay in the home.

Programs

My First Texas Home
Texas Department of Housing and Community Affairs (TDHCA)
Amount: Up to 5% of the loan amount
Type: Deferred, forgivable second lien
First-time buyers and veterans; income limits around $97,000–$111,550 depending on household size and county (higher in Tarrant County).
Homes for Texas Heroes
Texas State Affordable Housing Corporation (TSAHC)
Amount: 3%–5% of the loan amount, plus a Mortgage Credit Certificate worth up to $2,000/year
Type: Non-repayable grant or 0%-interest deferred second lien, typically forgiven after 3 years
Teachers, first responders, veterans, and other public service workers; 620 minimum credit score; homebuyer education course required.
Home Sweet Texas Home
Texas State Affordable Housing Corporation (TSAHC)
Amount: 3%–5% of the loan amount
Type: Grant or 0%-interest deferred second lien
Open to moderate-income buyers statewide, not limited to first-time buyers.

Facts on this page reflect research current as of 2026-07-05. Programs, rates, and laws change — confirm current figures with the relevant state agency before relying on them.

Related Resources
Property Taxes in TexasTransfer Tax & Closing Costs in TexasBuyer-Agent Agreements in TexasSeller Disclosure Laws in TexasFind Agents in TexasDown Payment Calculator