Texas StateUp to 5% assist.
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.
Source: TDHCAOfficial page
El Paso & West
Home Buyer Programs in Hudspeth County, Texas
Federal, Texas state, and local programs that may help cover down payment, closing costs, or property taxes when buying a home in Hudspeth County. Information below is educational and links to the administering agency's official page.
5
Federal programs
5
Texas state programs
0
Local Hudspeth programs
2
Non-profit programs
Texas state programs (apply statewide)
Texas StateUp to 5% assist.
My Choice Texas Home (TDHCA)
Down payment and closing cost assistance available to all Texas buyers - first-time or repeat - meeting income limits.
Source: TDHCAOfficial page
Texas StateUp to 5% grant
Homes for Texas Heroes
Down payment assistance and competitive mortgage loans for teachers, police, firefighters, EMS, corrections officers, nurses, and veterans.
Source: TSAHCOfficial page
Texas StateUp to 5% grant
Home Sweet Texas Home Loan
Down payment assistance as a grant or second lien loan for low-to-moderate income Texas buyers statewide.
Source: TSAHCOfficial page
Texas StateBelow-market APR
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.
Source: VA / VLBOfficial page
Federal programs (apply statewide)
Federal3.5% down
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.
Source: HUDOfficial page
Federal0% down
VA Home Loan Guaranty
Zero down payment loans for eligible Veterans, active-duty service members, and surviving spouses. No private mortgage insurance (PMI) required.
Source: VA / VLBOfficial page
Federal0% down
USDA Rural Development Loan
100% financing for low-to-moderate income buyers in eligible rural and suburban Texas areas. No down payment required.
Source: USDA Rural DevelopmentOfficial page
FederalUp to $2,000/yr
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.
Source: TSAHC (MCC)Official page
Federal50% off list price
HUD Good Neighbor Next Door
50% discount on the list price of homes in revitalization areas for law enforcement officers, teachers, firefighters, and EMTs.
Source: HUDOfficial page
Non-profit programs (apply statewide)
Non-ProfitUp to 5% grant
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).
Source: SETHOfficial page
Non-ProfitUp to 6% assist.
SETH GoldStar Program
Down payment and closing cost assistance up to 6% of the loan amount, available across most Texas counties.
Source: SETHOfficial page
Don't forget the Hudspeth County homestead exemption
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 guideWant all 80+ programs in one guide?
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