A growing, independent directory of federal loans, Texas state aid, and city/county assistance — with direct links to the official sources. Eligibility, amounts, and funding availability change frequently; always confirm details on the official source before applying.
Last reviewed: August 2026 · Official-source links on every card
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.
Last verified August 2026 · Confirm on official source
Zero down payment loans for eligible Veterans, active-duty service members, and surviving spouses. No private mortgage insurance (PMI) required.
Last verified August 2026 · Confirm on official source
100% financing for low-to-moderate income buyers in eligible rural and suburban Texas areas. No down payment required.
Last verified August 2026 · Confirm on official source
Federal tax credit on a share of annual mortgage interest paid - the credit rate is set by the issuer. TSAHC and TDHCA both currently issue at a 15% credit rate, so the federal $2,000 annual cap (which applies only to credit rates above 20%) does not apply to either Texas program today.
Last verified August 2026 · Confirm on official source
50% discount on the list price of homes in revitalization areas for law enforcement officers, teachers, firefighters, and EMTs.
Last verified August 2026 · Confirm on official source
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.
Last verified August 2026 · Confirm on official source
Down payment and closing cost assistance available to all Texas buyers - first-time or repeat - meeting income limits.
Last verified August 2026 · Confirm on official source
Down payment assistance and competitive mortgage loans for teachers, police, firefighters, EMS, corrections officers, nurses, and veterans.
Last verified August 2026 · Confirm on official source
Down payment assistance as a grant or second lien loan for low-to-moderate income Texas buyers statewide.
Last verified August 2026 · Confirm on official source
Below-market interest rate loans up to $832,750 for Texas veterans to buy a primary residence - combinable with VA financing.
Last verified August 2026 · Confirm on official source
Up to 5% of the final loan amount in down payment and closing cost assistance, provided as a second loan - either forgiven after 3 years or deferred with no payments and no interest until sale, refinance, or year 30. No first-time buyer requirement. Not available in Travis County or the city limits of El Paso, Grand Prairie, and McKinney.
Last verified August 2026 · Confirm on official source
SETH down payment and closing cost assistance option for buyers who do not fit the 5 Star structure. Terms and availability are set by SETH and vary by lender - confirm current terms before relying on them.
Last verified August 2026 · Confirm on official source
Up to $75,000 in subsidy (HAP Guidelines v8.0) for income-qualified first-time buyers purchasing inside Houston city limits; the exact amount is based on documented household need. Intake is suspended for the Fifth Ward / Kashmere Gardens EPA sampling zone - confirm current status with the city.
Open — area exclusions applyCity of Houston HAP is funded, but assistance in the Fifth Ward and Kashmere Gardens EPA areas remains suspended.
Last verified August 2026 · Confirm on official source
Community Development Block Grant funds providing forgivable loans for down payment to qualified unincorporated Harris County residents.
Last verified August 2026 · Confirm on official source
Administration moved to BCL of Texas in May 2026 and new applications are paused during the transition. Last published caps were up to $50,000, or up to $60,000 in designated High Opportunity Areas - confirm current terms with the new administrator before relying on them.
Not accepting applicationsAdministration moved to BCL of Texas in May 2026; the City of Dallas is not taking new DHAP applications. Check the official page before applying.
Last verified August 2026 · Confirm on official source
Up to $40,000 in 0% interest, deferred forgivable loans for eligible buyers purchasing within Austin city limits.
Last verified August 2026 · Confirm on official source
HIP80 and HIP120 are not accepting new applications for FY 2026. Program design provides up to $30,000 in 0% interest down payment and closing cost assistance if City Council renews funding.
Closed for FY 2026San Antonio NHSD closed HIP intake for fiscal year 2026. Funding typically renews at the start of the city fiscal year on October 1.
Last verified August 2026 · Confirm on official source
Up to $25,000 in forgivable down payment and closing cost assistance for low-to-moderate income buyers in Fort Worth.
Last verified August 2026 · Confirm on official source
El Paso Housing Finance Corporation grant of up to 5% of the mortgage loan amount for income-eligible buyers, subject to household income and purchase price limits.
Last verified August 2026 · Confirm on official source
