Texas • First-Time Homeowner programs
First-Time Homeowner grants in Texas
Browse first-time homeowner grants available in Texas, including statewide and local programs.
6 active programs in Texas
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City of College Station Housing Assistance ProgramTXFirst-Time HomeownerCity administered shared equity deferred loan that provides gap financing for low income buyers by covering a portion of the purchase price, to be repaid in part if the home is sold or refinanced.
Updated: Dec 6, 2025
City of College Station offers gap financing via a shared-equity deferred loan up to 30% of the sales price (capped $80k) to assist homebuyers with down payment within city limits. (City of College Station)
Eligible for: Qualified homebuyers meeting income ≤ 80% AMI, credit score ≥ 600, purchasing within City of College Station limits; must complete HUD-appro…
Texas Department of Housing and Community AffairsTXFirst-Time HomeownerState housing finance agency mortgage program that pairs a 30 year fixed rate first mortgage with optional down payment and closing cost assistance provided as a grant or second lien up to a percentage of the loan amount.
Updated: Dec 6, 2025
Program provides a 30-year fixed mortgage plus down payment/closing cost assistance to eligible first-time buyers or vets.
Eligible for: First-time homebuyers or qualified veterans; must use approved lenders; meet income/credit/property limits.
Texas State Affordable Housing CorporationTXFirst-Time HomeownerStatewide nonprofit housing corporation program that provides non repayable grant assistance and forgivable second lien loans for down payment and closing costs when paired with a 30 year fixed rate mortgage through participating lenders.
Updated: Dec 6, 2025
TSAHC offers grants that can be used toward down payment and closing costs to assist homebuyers in Texas.
Eligible for: First-time buyers in Texas (or those meeting specific criteria per county), with credit score ≥ 620, income & purchase limits apply.
City of Dallas Housing & Neighborhood Revitalization DepartmentTXFirst-Time HomeownerCity funded assistance program that uses federal and local housing funds to provide down payment, closing cost and principal reduction help to eligible buyers through deferred or forgivable loans tied to affordability and occupancy requirements.
Updated: Dec 6, 2025
The DHAP program offers financial assistance to homebuyers within Dallas city limits, targeting low/moderate income buyers with down payment/closing cost help under federal/state/local rules.
Eligible for: Low- to moderate-income homebuyers (≤ 80% AMI), purchasing within City of Dallas; must execute contract & qualify for first-lien mortgage.
To Each His Home Community Redevelopment CorporationTXFirst-Time HomeownerNonprofit administered grant program that provides non repayable funds to cover part of a homebuyer down payment and closing costs, typically layered with first mortgage financing and local government assistance.
Updated: Dec 6, 2025
Non-profit TEHH offers down payment and closing cost assistance grants to eligible homebuyers in its service area, working with lenders, municipalities and county programs.
Eligible for: Eligible homebuyers in East Texas area (credit/income criteria; homebuyer education required).
City of Fort Worth Neighborhood Services DepartmentTXFirst-Time HomeownerCity administered down payment and closing cost assistance provided as a zero interest forgivable subordinate loan that helps first time buyers bridge the upfront cash gap when purchasing a home.
Updated: Dec 6, 2025
City program providing down payment and closing cost assistance to eligible first-time buyers in Fort Worth.
Eligible for: First-time homebuyers (not owned in past 3 yrs), purchasing within Fort Worth city limits, must qualify for first-lien loan & complete homeo…