What down payment assistance does Texas offer?
| Program | Amount | Type | Min. credit | First-time only? |
|---|---|---|---|---|
| Dallas Homebuyer Assistance Program (DHAP) | $60,000 in High Opportunity Areas; $50,000 in all other Dallas locations | Forgivable loan | Not stated | See program |
| DHAP Anti-Displacement | $50,000 | Forgivable loan | Not stated | See program |
| Down Payment Assistance Program | Up to $40,000 | Deferred-payment loan | Not stated | Yes |
| HOME First-Time Homebuyer Down Payment Assistance Program | Up to $30,000 | Forgivable loan | Not stated | Yes |
| Homebuyer Assistance Program (HAP) | Up to $25,000 | Forgivable loan | Not stated | Yes |
| Homeownership Incentive Program (HIP 80) | Between $1,000 and $30,000 | Forgivable loan | Not stated | Yes |
| Travis County HOME Downpayment Assistance (DPA) Program | Up to $75,000 | Forgivable loan | Not stated | No |
| Upfront Cost Assistance Program (UPCAP) | Up to $15,000 in down payment and/or closing cost assistance | Forgivable loan | Not stated | Yes |
How do I apply for Texas down payment assistance?
- Find a participating lender approved by City of Dallas Department of Housing and Community Development; managed by BCL of Texas since May 1, 2026.
- Get pre-approved for the agency's first mortgage and confirm you meet income and price limits.
- Complete the required homebuyer education course.
- Your lender reserves the assistance when you go under contract.
Are there programs for teachers, nurses or first responders in Texas?
Yes: Homes for Texas Heroes (Down payment and closing cost assistance up to 5% of the loan amount). See teachers, police officers, firefighters, emts and paramedics, first responders, veterans and military.
Cities in Texas
Other states with verified programs
Frequently asked questions
Dallas Homebuyer Assistance Program (DHAP): $60,000 in High Opportunity Areas; $50,000 in all other Dallas locations; DHAP Anti-Displacement: $50,000; Down Payment Assistance Program: Up to $40,000; HOME First-Time Homebuyer Down Payment Assistance Program: Up to $30,000; Homebuyer Assistance Program (HAP): Up to $25,000; Homeownership Incentive Program (HIP 80): Between $1,000 and $30,000; Travis County HOME Downpayment Assistance (DPA) Program: Up to $75,000; Upfront Cost Assistance Program (UPCAP): Up to $15,000 in down payment and/or closing cost assistance.
Not always — Travis County HOME Downpayment Assistance (DPA) Program is open to repeat buyers too.
The agency sets credit requirements with its participating lenders; most require at least a 620–640 score.
Sources
- City of Dallas Department of Housing and Community Development; managed by BCL of Texas — DHAP Anti-Displacement (verified October 25, 2026)
- City of Austin Housing Department — Down Payment Assistance Program (verified October 25, 2026)
- City of Laredo Community Development Department — HOME First-Time Homebuyer Down Payment Assistance Program (verified October 25, 2026)
- City of Fort Worth Neighborhood Services Department — Homebuyer Assistance Program (HAP) (verified October 25, 2026)
- City of San Antonio Neighborhood and Housing Services Department — Homeownership Incentive Program (HIP 80) (verified October 25, 2026)
- Travis County Health and Human Services (HUD HOME funds); applications via Frameworks CDC — Travis County HOME Downpayment Assistance (DPA) Program (verified October 25, 2026)
- Dallas County Health and Human Services - Home Loan Counseling Center — Upfront Cost Assistance Program (UPCAP) (verified October 25, 2026)
Data last updated October 25, 2026.
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Get My MatchesFigures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.