FederalFHA Loan
FHA 203(b) Mortgage Insurance
Government-insured loan with down payments as low as 3.5% and flexible credit requirements. Ideal for first-time buyers and those with limited savings.
3.5% downOfficial Source ↗
Federal + Texas Programs
Every aid program. Every savings. One place.
BluebonnetBuyer educates Texas home buyers on every federal and state aid program, grant, and tax credit available to reduce closing costs and lower the cost of a mortgage.
🏛️ Federal & State Approved📚 Educational First⚡ 48-Hour Match💰 No Cost to Buyers
Live Snapshot
Programs at Your Fingertips
$12K+
Avg. Buyer Savings
47
Active Programs
254
TX Counties Covered
3,200+
Families Helped
Sample Buyer · Travis County
$23,400qualified savings
30-Second Eligibility Quiz
See programs you may qualify for.
Answer four quick questions — no email, no credit pull. We'll personalize the federal and Texas programs that fit your situation.
1. County
2. Household income
3. First-time home buyer?
4. Veteran or active-duty military?
Your personalized matches will appear here
Answer all four questions on the left to see federal, Texas state, and local programs that fit your profile.
✓ County○ Income○ First-time○ Veteran
Federal · State · Local
Every Texas home buyer program.
A complete, unbiased directory of federal loans, Texas state aid, and city/county assistance — with direct links to the official sources.
FederalVA Loan
VA Home Loan Guaranty
Zero down payment loans for eligible Veterans, active-duty service members, and surviving spouses. No private mortgage insurance (PMI) required.
0% downOfficial Source ↗
FederalUSDA Loan
USDA Rural Development Loan
100% financing for low-to-moderate income buyers in eligible rural and suburban Texas areas. No down payment required.
0% downOfficial Source ↗
FederalFederal Tax Credit
Mortgage Credit Certificate (MCC)
Federal tax credit allowing eligible first-time buyers to claim up to 40% of annual mortgage interest paid — savings every year for the life of the loan.
Up to $2,000/yrOfficial Source ↗
FederalHUD Grant
HUD Good Neighbor Next Door
50% discount on the list price of homes in revitalization areas for law enforcement officers, teachers, firefighters, and EMTs.
50% off list priceOfficial Source ↗
Texas StateTDHCA
My First Texas Home (TDHCA)
30-year fixed-rate mortgage with down payment and closing cost assistance up to 5% of the loan amount for first-time buyers and veterans.
Up to 5% assist.Official Source ↗
Texas StateTDHCA
My Choice Texas Home (TDHCA)
Down payment and closing cost assistance available to all Texas buyers — first-time or repeat — meeting income limits.
Up to 5% assist.Official Source ↗
Texas StateTSAHC
Homes for Texas Heroes
Down payment assistance and competitive mortgage loans for teachers, police, firefighters, EMS, corrections officers, nurses, and veterans.
Up to 5% grantOfficial Source ↗
Texas StateTSAHC
Home Sweet Texas Home Loan
Down payment assistance as a grant or second lien loan for low-to-moderate income Texas buyers statewide.
Up to 5% grantOfficial Source ↗
Texas StateTX Veterans
Texas Veterans Land Board (VLB) Home Loan
Below-market interest rate loans up to $766,550 for Texas veterans to buy a primary residence — combinable with VA financing.
Below-market APROfficial Source ↗
Non-ProfitNon-Profit
SETH 5 Star Texas Advantage
Up to 5% of the total loan amount in down payment and closing cost assistance, provided as a grant (no repayment).
Up to 5% grantOfficial Source ↗
Non-ProfitNon-Profit
SETH GoldStar Program
Down payment and closing cost assistance up to 6% of the loan amount, available across most Texas counties.
Up to 6% assist.Official Source ↗
LocalHouston
Houston HOPE / Homebuyer Assistance
Up to $30,000 in down payment and closing cost assistance for low-to-moderate income buyers purchasing inside Houston city limits.
Up to $30,000Official Source ↗
LocalHarris County
Harris County DPA
Community Development Block Grant funds providing forgivable loans for down payment to qualified unincorporated Harris County residents.
Up to $23,800Official Source ↗
LocalDallas
Dallas Homebuyer Assistance Program
Up to $60,000 in deferred-payment loans for income-eligible buyers purchasing primary residences inside the City of Dallas.
Up to $60,000Official Source ↗
LocalAustin
Austin DPA — City of Austin
Up to $40,000 in 0% interest, deferred forgivable loans for eligible buyers purchasing within Austin city limits.
Up to $40,000Official Source ↗
LocalSan Antonio
Homeownership Incentive Program (HIP)
City of San Antonio offers up to $30,000 in down payment and closing cost assistance through 0% interest loans.
Up to $30,000Official Source ↗
LocalFort Worth
Fort Worth Homebuyer Assistance Program
Up to $25,000 in forgivable down payment and closing cost assistance for low-to-moderate income buyers in Fort Worth.
Up to $25,000Official Source ↗
LocalEl Paso
El Paso Homebuyer Assistance
Down payment and closing cost assistance up to $20,000 for income-eligible families purchasing within El Paso city limits.
Up to $20,000Official Source ↗
Official Resources
Verified links you can trust.
Every program above is sourced from an official government or non-profit agency. Browse the full reference library below.
Federal Agencies
Texas State Programs
Local & Non-Profit
How BluebonnetBuyer Works
Education first. Introduction when you're ready.
We don't match you with loans or sell your information. We surface every possible way to save on your mortgage and — only when you ask — connect you with a qualified, educated Licensed Texas partner. Qualified partnering Agents and Lenders subscribe to BluebonnetBuyer for qualified leads; the service is always free to home buyers.
01→
Discover every program
Browse our complete directory of federal, Texas state, and local savings — grants, tax credits, down payment assistance, and more.
02→
Take the eligibility quiz
Answer four quick questions to instantly see which programs may apply to your county, income, and buyer status. No credit pull, no email required.
03→
Learn how to stack savings
We educate you on combining federal loans (FHA, VA, USDA) with Texas DPA, MCC tax credits, and local grants for maximum savings.
04
Connect with a partnering agent / lender
When you're ready, we connect you with educated, partnered Texas-licensed Realtors and vetted lenders who understand how to maximize and stack available home-buying programs. You're never matched to a loan. Instead, qualified agents and lenders subscribe to BluebonnetBuyer for exclusive leads, keeping the platform 100% free for home buyers.
Contact Us
Get connected with a partner in your area today.
Tell us where you're buying and we'll introduce you to an educated, partnered Texas-licensed Realtor or brokerage — plus a vetted lender who knows how to stack every federal, state, and local savings program you qualify for.
Always free for home buyers. Agents and lenders subscribe to BluebonnetBuyer for qualified leads.
- ✓Partnered Texas-licensed agents
- ✓Vetted, program-fluent lenders
- ✓Coverage across all 254 counties
- ✓Personalized savings playbook
- ✓No credit check to get matched
- ✓No obligation, ever
For Realtors
Partner with BluebonnetBuyer
Help your clients save more and close faster. Win more listings and earn more referrals.
💎
Branded client reports
Personalized savings reports you can share with buyers to demonstrate added value.
🚀
Priority processing
Your clients move to the front of the queue with 24-hour turnaround.
📊
Market intelligence
Monthly briefings on new programs, policy changes, and opportunities in your area.
🤝
Co-marketing support
Social media templates, email sequences, and listing presentation materials.
🎯
Referral bonuses
Earn credits for every successful referral that closes with our programs.
Coverage by region
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Don't see your region? Submit an inquiry and we'll connect you with a qualified, educated agent in your area.Contact us →
Pricing
Simple, transparent pricing
Free for home buyers. We're compensated by lenders only when you close.
Home Buyer
$0
Always free for Texas home buyers
- ✓Full program matching
- ✓Personalized program report
- ✓Email support
- ✓Application guidance
- ✓Lender introductions
Most Popular
Realtor Partner
$49/mo
Everything to grow your business
- ✓Unlimited client reports
- ✓Priority 24hr processing
- ✓Branded materials
- ✓Market intelligence
- ✓Dedicated account manager
- ✓Co-marketing support
Brokerage
$199/mo
For teams of 5+ agents
- ✓Everything in Partner
- ✓Team dashboard
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Testimonials
What our clients say
★★★★★
"We had no idea we qualified for over $18,000 in assistance. BluebonnetBuyer found federal and state programs we never would have discovered on our own."
MR
Maria & Roberto G.
Houston, TX
★★★★★
"As a first-time buyer, I found the process overwhelming. They matched me with an FHA loan, a TSAHC grant, and an MCC — saving me $12,400 in total."
JT
James T.
Austin, TX
★★★★★
"I've been a Realtor for 15 years, and this tool has transformed my business. My clients save more, close faster, and refer their friends."
SK
Sarah K.
Dallas, TX – Realtor
FAQ
Frequently asked questions
Yes, 100% free. BluebonnetBuyer is an educational service — we don't match you with loans or sell your information. Qualified partnering Licensed Texas Agents and Lenders subscribe to BluebonnetBuyer for qualified leads, so the service is always free to home buyers with no upfront fees, hidden charges, or obligations.
Ready to save on your Texas home?
Join 3,200+ families who've discovered every federal and Texas program they qualify for.
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