Diligence
Texas DPA program funding status
Local down payment assistance programs run on annual budgets - they open, fill up, waitlist, and close throughout the year. Statewide bond-funded programs (TSAHC, TDHCA, VLB) almost never run out. Always pair a local program with a statewide backup.
How to read this page. Status reflects our latest direct check with each agency. Local DPA can flip from Open to Closed within a week when an allocation runs out. Confirm with your lender on the day you write your offer - never rely solely on a published date.
OpenLimitedWaitlistClosed
Statewide - bond-funded, virtually always open
| Program | Sponsor | Status |
|---|---|---|
| Home Sweet Texas Home Loan | TSAHC | Open |
| Homes for Texas Heroes | TSAHC | Open |
| My First Texas Home (TDHCA) | TDHCA | Open |
| My Choice Texas Home (TDHCA) | TDHCA | Open |
| TDHCA Mortgage Credit Certificate (MCC) | TDHCA | Open |
| VLB Housing Assistance Program | Texas Veterans Land Board | Open |
City & county - confirm before you write an offer
| Program | Sponsor | Status |
|---|---|---|
| Houston HOPE / HAP | City of Houston | Limited |
| Dallas MAP (Mortgage Assistance Program) | City of Dallas | Limited |
| Dallas DHAP (Dallas Homebuyer Assistance Program) | City of Dallas | Limited |
| San Antonio Homeownership Incentive Program (HIP) | City of San Antonio | Open |
| Austin Down Payment Assistance Program | City of Austin | Waitlist |
| Fort Worth Homebuyer Assistance Program | City of Fort Worth | Open |
| El Paso Homebuyer Assistance | City of El Paso | Open |
| Travis County HFC DPA | Travis County Housing Finance Corp. | Open |
| Harris County DPA | Harris County Community Services | Limited |
| Tarrant County Homebuyer Assistance | Tarrant County | Limited |
| Bexar County DPA | Bexar County Community Resources | Open |
Stacking strategy when local funds are tight
- Anchor with a statewide. Build your offer around TSAHC or TDHCA - both have continuous bond funding.
- Layer local DPA on top if status is Open. Most cities allow stacking with statewide programs as long as combined DPA doesn’t exceed the property’s required investment minimum.
- Always add a MCC. The Mortgage Credit Certificate is a federal tax credit and doesn’t compete with DPA budgets - it’s purely incremental savings.
- Ask the seller for concessions as your fallback. Up to 6% of price on conventional/FHA, 4% on VA - covers closing costs that local DPA would have covered.
What to do if your local DPA closes mid-contract
- Switch to the statewide backup your lender pre-qualified you for at application. This is the entire reason we tell every buyer to apply for two programs simultaneously.
- Request seller concessions via amendment (TREC Amendment to Contract) to cover the gap.
- Lender credit - in exchange for a slightly higher rate (often 0.125–0.25%), your lender can credit 1–2% of the loan amount toward closing.
- Re-time your closing. If allocation resets at fiscal year-end (Oct 1 federal, Sep 30 city for some), a short delay may unlock funds.
Funding status is researched and re-verified on a rolling basis (statewide quarterly, local monthly). Allocations and pause/resume dates ultimately come from the sponsoring agency - always confirm with your lender on the day of contract.