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Dallas Homebuyer Assistance Program (DHAP)

Quick answer

Dallas Homebuyer Assistance Program (DHAP) is a Texas down payment assistance program from City of Dallas Department of Housing and Community Development; managed by BCL of Texas since May 1, 2026. It provides $60,000 in High Opportunity Areas; $50,000 in all other Dallas locations as a forgivable loan. Eligibility, income limits and funding are set by the agency, so confirm current terms on its official page.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsLast verified

Eligibility notes

Interest-free second-lien deferred loan forgiven pro rata over affordability term; open, first-come first-served; needs executed sales contract and mortgage approval; sales price limit $342,000 (contracts on/after 9/1/2024); BCL of Texas contact dhap@bcloftexas.org.

Where does Dallas Homebuyer Assistance Program (DHAP) apply?

This city-level program is available to buyers in Dallas. Cities on our site where it applies:

DetailProgram terms
Assistance$60,000 in High Opportunity Areas; $50,000 in all other Dallas locations
TypeForgivable loan
Minimum creditNot published on the program page
First-time buyerSee official page
Income limits80% AMI

How does Dallas Homebuyer Assistance Program (DHAP) work with an FHA loan?

Texas's 2026 FHA one-unit limits start at $541,287, which supports a price of about $560,000 with 3.5% down.

Where do I confirm current terms?

On the official page: https://dallascityhall.com/departments/housing-and-homelessness/Pages/Dallas-Homebuyer-Assistance-Program-DHAP.aspx. Programs can pause when funds run out, so confirm availability with a participating lender.

← All Texas down payment assistance programs

Frequently asked questions

$60,000 in High Opportunity Areas; $50,000 in all other Dallas locations, according to City of Dallas Department of Housing and Community Development; managed by BCL of Texas since May 1, 2026.

It's a forgivable loan: forgiven if you meet the occupancy period, otherwise repaid.

80% AMI

Sources

Data last updated October 25, 2026.

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Figures 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.