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: June 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 June 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 June 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 June 2026 · Confirm on official source
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.
Last verified June 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 June 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 June 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 June 2026 · Confirm on official source
Down payment assistance and competitive mortgage loans for teachers, police, firefighters, EMS, corrections officers, nurses, and veterans.
Last verified June 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 June 2026 · Confirm on official source
Below-market interest rate loans up to $766,550 for Texas veterans to buy a primary residence - combinable with VA financing.
Last verified June 2026 · Confirm on official source
Up to 5% of the total loan amount in down payment and closing cost assistance, provided as a grant (no repayment).
Last verified June 2026 · Confirm on official source
Down payment and closing cost assistance up to 6% of the loan amount, available across most Texas counties.
Last verified June 2026 · Confirm on official source
Up to $30,000 in down payment and closing cost assistance for low-to-moderate income buyers purchasing inside Houston city limits.
Last verified June 2026 · Confirm on official source
Community Development Block Grant funds providing forgivable loans for down payment to qualified unincorporated Harris County residents.
Last verified June 2026 · Confirm on official source
Up to $50,000 in deferred-payment loans for income-eligible buyers purchasing primary residences inside the City of Dallas. Up to $60,000 available in designated High Opportunity Areas, subject to eligibility and funding availability.
Last verified June 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 June 2026 · Confirm on official source
City of San Antonio offers up to $30,000 in down payment and closing cost assistance through 0% interest loans.
Last verified June 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 June 2026 · Confirm on official source
Down payment and closing cost assistance up to $20,000 for income-eligible families purchasing within El Paso city limits.
Last verified June 2026 · Confirm on official source
