Texas down payment assistance at a glance
Texas buyers can choose between programs from the Texas Department of Housing and Community Affairs (TDHCA) and the Texas State Affordable Housing Corporation (TSAHC). Both offer assistance paired with a first mortgage through participating lenders, and several major cities add their own programs.
Want the full Texas breakdown? Our dedicated Texas guide covers programs, local options, and current details: visit the Texas DPA guide →
Statewide programs
TDHCA My First Texas Home
A first-time homebuyer program that pairs a first mortgage with down payment and closing cost assistance for eligible buyers.
TDHCA My Choice Texas Home
Down payment and closing cost assistance that's also available to eligible repeat buyers.
TSAHC Homes for Texas Heroes
Assistance for eligible teachers, first responders, veterans, and other public service professionals.
TSAHC Home Sweet Texas
Assistance for eligible low- and moderate-income buyers who don't fall into the Heroes categories.
Program names, amounts, and eligibility change frequently and funding can pause. Always confirm current terms with a participating lender or the program administrator.
Local and city programs
Several Texas cities offer their own down payment assistance, often with more generous amounts and specific boundaries:
- Austin down payment assistance
- Houston down payment assistance
- San Antonio down payment assistance
- Dallas down payment assistance
- Fort Worth down payment assistance
What Texas buyers should know
- Texas property taxes are relatively high, which affects your monthly payment and debt-to-income ratio — budget for them.
- Some Texas programs also offer a Mortgage Credit Certificate, a federal tax credit for part of your mortgage interest.
- City programs usually require the home to be inside city limits — check the address before you make an offer.
Next step
Matthew Brown is licensed in Texas and can check which statewide and local programs fit your income, credit, and the home you want to buy.