Austin · Texas

Austin first-time home buyer programs,stacked and explained.

Even in Austin's higher price band, the city's forgivable DPA combined with TSAHC and MCC can document $45,000+ of stacked support for first-time buyers under the income cap.

See what you qualify for →Full Travis County guide

Median price: ~$540,000 (illustrative)
AMI cap: ≤ 80%
Top DPA: Up to $40,000
Tax credit: Up to $2,000/yr

The Austin stack

Programs most Austin buyers never hear about.

Austin's down-payment assistance program plus TSAHC and the MCC tax credit can put real money back in first-time buyers' pockets in one of Texas's most competitive markets.

1
City of Austin Down Payment Assistance — up to $40,000 forgivable loan for qualifying first-time buyers under income limits.
2
Travis County Hill Country Home Down Payment Assistance — county-level help outside Austin city limits.
3
TSAHC Home Sweet Texas Home Loan — statewide DPA for qualifying buyers.
4
TDHCA My First Texas Home — pairs well with MCC for first-time buyers.
5
MCC — up to $2,000/yr federal tax credit for the life of the loan.

Most Austin buyers stack at least three of these. Take the eligibility quiz to see which apply to your situation.

Where buyers ask about

Common Austin neighborhoods for first-time buyers

These neighborhoods come up most often from Austin buyers using our calculators. Inclusion here is informational only and not a recommendation — eligibility for any program depends on the specific address and current funding.