What homebuyer programs are available in Texas?

Statewide, the Texas State Affordable Housing Corporation (TSAHC) and the Texas Department of Housing and Community Affairs (TDHCA) offer down payment assistance, low-rate first mortgages, and Mortgage Credit Certificates. Many counties and cities layer additional local assistance on top.

Can I combine down payment assistance with FHA, VA, or USDA loans?

Yes. Most Texas DPA programs are designed to stack with FHA, VA, USDA, and conventional loans. The right combination depends on your income, credit, and the property - a partnered local agent can model your options.

Do I have to be a first-time buyer to qualify for assistance?

Not always. Several Texas programs define a first-time buyer as anyone who has not owned a primary residence in the last three years, and a few programs are open to repeat buyers. Income and purchase-price limits typically apply.

Dallas–Fort Worth

rural market

Homebuyer Programs in Grayson County, Texas

Stack down payment assistance, FHA/VA/USDA options, and local programs - then connect with a partnered local Realtor who knows Grayson County.

Local Housing Market

Grayson County is part of the Dallas–Fort Worth region. Inventory, pricing, and program eligibility vary by city and ZIP. A partnered local Realtor can model what your monthly payment looks like across FHA, VA, USDA, and conventional financing in Grayson County.

Searching homes in Grayson County?

Get a free program review from a local North Texas partner, then browse active listings on SearchHomesDFW.com.

Cody Lightner

REALTOR® · Monument Realty · U.S. Air Force veteran

TREC Licensed #0858888817-755-1887

Kevin Henry

REALTOR® · Redfin · 10+ years in Texas

TREC Licensed #0671058817-304-6083

Homebuyer Programs in Grayson County

Down Payment Assistance

Texas buyers commonly stack TSAHC and TDHCA's My First Texas Home for down payment and closing-cost help, plus a Mortgage Credit Certificate for an ongoing federal tax credit. City and county programs may add more.

First-Time Homebuyer Resources

Both TSAHC and TDHCA define a 'first-time buyer' as anyone who has not owned a primary residence in the last 3 years. Income and purchase-price limits apply and depend on household size.

VA Homebuyer Information

Eligible veterans, active-duty service members, and surviving spouses can use a VA loan with 0% down, no PMI, and limits on closing costs. Sellers in Texas are generally accustomed to VA contracts.

USDA Rural Development

USDA Rural Development zero-down loans are available in eligible census tracts. Eligibility varies block-by-block - verify the property address on the USDA eligibility map before writing an offer.

FHA Loans

FHA loans allow 3.5% down with flexible credit. The 2026 FHA one-unit loan limit is $541,287 in most Texas counties; the Dallas-Fort Worth, Austin, and San Antonio metro counties are higher. Confirm your county's current limit with HUD.

Savings Strategies

Most buyers can compound 3–5 different savings: DPA, seller-paid closing costs, a Mortgage Credit Certificate (MCC), lender credits, and (on new construction) builder rate buydowns. The order you stack them matters.

Stack Eligible Savings Programs

Pair a TSAHC or TDHCA grant with a Mortgage Credit Certificate to compound an ongoing federal tax credit.
Combine seller-paid closing costs with a lender credit to free up your DPA for the down payment itself.
Use builder incentives on new construction to fund a permanent 2/1 rate buydown alongside DPA.
Run an FHA vs. USDA vs. VA scenario side-by-side — the cheapest monthly often isn’t the option with the lowest down payment.