Federal, Texas state, and local programs that may help cover down payment, closing costs, or property taxes when buying a home in Dallas County. Information below is educational and links to the administering agency's official page.
Cities included: Dallas, Irving, Garland, Mesquite, Richardson
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.
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.
Down payment and closing cost assistance available to all Texas buyers - first-time or repeat - meeting income limits.
Down payment assistance and competitive mortgage loans for teachers, police, firefighters, EMS, corrections officers, nurses, and veterans.
Down payment assistance as a grant or second lien loan for low-to-moderate income Texas buyers statewide.
Below-market interest rate loans up to $766,550 for Texas veterans to buy a primary residence - combinable with VA financing.
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.
Zero down payment loans for eligible Veterans, active-duty service members, and surviving spouses. No private mortgage insurance (PMI) required.
100% financing for low-to-moderate income buyers in eligible rural and suburban Texas areas. No down payment required.
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.
50% discount on the list price of homes in revitalization areas for law enforcement officers, teachers, firefighters, and EMTs.
Up to 5% of the total loan amount in down payment and closing cost assistance, provided as a grant (no repayment).
Down payment and closing cost assistance up to 6% of the loan amount, available across most Texas counties.
Texas homeowners who occupy a property as their primary residence on January 1 can file a homestead exemption with their county appraisal district — for free — to lower property taxes. The general school-district exemption is $100,000 of assessed value.
Read the homestead exemption guideThe free 31-page Texas Homebuyer Playbook walks through every program above plus tax credits, MCC, and county-level resources.
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