West Texas · Texas
El Paso first-time home buyer programs,stacked and explained.
El Paso's median price keeps the math friendly. Many qualifying buyers can document a 0% effective down payment by layering city DPA with TSAHC or TDHCA, plus claim the MCC tax credit.
- Median price
- ~$235,000 (illustrative)
- AMI cap
- ≤ 80%
- Top DPA
- Varies by program
- USDA eligible
- Yes (outlying)
The El Paso stack
Programs most El Paso buyers never hear about.
El Paso's lower price points plus city and state DPA programs make it one of the most affordable Texas metros for first-time buyers.
- 1City of El Paso Homebuyer Assistance Program — DPA for qualifying first-time buyers at or below 80% AMI.
- 2TDHCA My First Texas Home — first-time buyer mortgage with up to 5% DPA.
- 3TSAHC Home Sweet Texas Home Loan — statewide DPA, especially helpful for educators and first responders.
- 4USDA Rural Development — zero-down loans for qualifying outlying areas of El Paso County.
- 5MCC — up to $2,000/yr federal tax credit.
Most El Paso buyers stack at least three of these. Take the eligibility quiz to see which apply to your situation.
Where buyers ask about
Common El Paso neighborhoods for first-time buyers
These neighborhoods come up most often from El Paso 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.
Kern Place Sunset Heights Mission Hills Five Points Northeast El Paso Lower Valley
Run the numbers
Free calculators for El Paso buyers
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