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
Other Rural Texas
Home Buyer Programs in Jackson County, Texas
Federal, Texas state, and local programs that may help cover down payment, closing costs, or property taxes when buying a home in Jackson County. Information below is educational and links to the administering agency's official page.
5
Federal programs
5
Texas state programs
0
Local Jackson 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 $832,750 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
Federal15% credit rate
Mortgage Credit Certificate (MCC)
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.
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% second lien
SETH 5 Star Texas Advantage
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.
Source: SETHOfficial page
Non-ProfitVaries
SETH MyHomePlus
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.
Source: SETHOfficial page
Don't forget the Jackson 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 $140,000 of assessed value.
Read the homestead exemption guideWant every program in one guide?
The free 31-page Texas Buyer Playbook walks through every program above plus tax credits, MCC, and county-level resources.
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