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. Filter by source and category - combine filters to narrow results.
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.
VA Home Loan Guaranty
Zero down payment loans for eligible Veterans, active-duty service members, and surviving spouses. No private mortgage insurance (PMI) required.
USDA Rural Development Loan
100% financing for low-to-moderate income buyers in eligible rural and suburban Texas areas. No down payment required.
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.
HUD Good Neighbor Next Door
50% discount on the list price of homes in revitalization areas for law enforcement officers, teachers, firefighters, and EMTs.
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.
My Choice Texas Home (TDHCA)
Down payment and closing cost assistance available to all Texas buyers - first-time or repeat - meeting income limits.
Homes for Texas Heroes
Down payment assistance and competitive mortgage loans for teachers, police, firefighters, EMS, corrections officers, nurses, and veterans.
Home Sweet Texas Home Loan
Down payment assistance as a grant or second lien loan for low-to-moderate income Texas buyers statewide.
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.
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).
SETH GoldStar Program
Down payment and closing cost assistance up to 6% of the loan amount, available across most Texas counties.
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.
Harris County DPA
Community Development Block Grant funds providing forgivable loans for down payment to qualified unincorporated Harris County residents.
Dallas Homebuyer Assistance Program
Up to $60,000 in deferred-payment loans for income-eligible buyers purchasing primary residences inside the City of Dallas.
Austin DPA - City of Austin
Up to $40,000 in 0% interest, deferred forgivable loans for eligible buyers purchasing within Austin city limits.
Homeownership Incentive Program (HIP)
City of San Antonio offers up to $30,000 in down payment and closing cost assistance through 0% interest loans.
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.
El Paso Homebuyer Assistance
Down payment and closing cost assistance up to $20,000 for income-eligible families purchasing within El Paso city limits.