First-Time Homebuyer Grants

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Texas State Affordable Housing CorporationTXFirst-Time Homeowner

Funding: Grant amounts vary by county, program and mortgage type, and are typically calculated as a percentage of the loan amount to be applied toward down payment and closing costs, with funds that do not have to be repaid if program requirements are met.Statewide 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.RollingDeadline: Scope: Statewide (Texas)state

Updated: Dec 6, 2025

Summary

TSAHC offers grants that can be used toward down payment and closing costs to assist homebuyers in Texas.

Benefits

down payment assistanceclosing cost assistancegrantforgivable second liennonprofit housing programfixed rate mortgagehomebuyer education required

Who Can Apply

homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerTexas homebuyer

Eligible Locations

First time homebuyers and other income eligible buyers purchasing an owner occupied home anywhere in Texas who have a credit score of at least 620, meet Texas State Affordable Housing Corporation income and purchase price limits, use a TSAHC participating lender and complete any required homebuyer education.

Eligibility

First-time buyers in Texas (or those meeting specific criteria per county), with credit score ≥ 620, income & purchase limits apply.

Full Description

The program provides non-repayable grant funds (or forgivable loans) for eligible Texas homebuyers, paired with approved mortgage, meeting credit/income/property limits, administered through TSAHC approved lenders. (Texas Housing Corporation)

Verification & Details

Status: Open

Source: tsahc.org

Official source → tsahc.org

Apply on official siteUpdated Dec 6, 2025

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More statewide programs

Explore additional grants available throughout Texas that complement this opportunity.

Down Payment Assistance Program (City of College Station)

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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…

Funding: Provides down payment and gap financing up to 30 percent of the sales price, capped at 80000 dollars, structured as a shared equity deferred loan with no monthly payments while the buyer occupies the home as a primary residence.Deadline: Rolling / apply prior to purchase contract. (City of College Station)RollingCity (College Station, Texas)homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerCollege Station homebuyerTexas homebuyerdown payment assistancegap financingshared equity loandeferred payment loancity programlow-income homebuyer supporthomebuyer education required

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My First Texas Home Program

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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.

Funding: Offers flexible assistance up to 5 percent of the first lien mortgage amount that can be applied toward down payment and closing costs, with the exact dollar amount based on the loan size and product selected.Deadline: Rolling / as funds availableRollingStatewide (Texas)homebuyerfirst-time homebuyerveteran homebuyerlow-income homebuyermoderate-income homebuyerTexas homebuyerdown payment assistanceclosing cost assistancefirst mortgagestate housing finance agencyfixed rate loanveteran friendly programhomebuyer education required

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Dallas Homebuyer Assistance Program (DHAP)

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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.

Funding: Assistance amounts vary based on need, program rules and available funding, and are structured as subordinate financing that reduces the upfront cash required and may be forgiven over time if occupancy and affordability conditions are met.Deadline: Reopened Oct 1 2025 for new applications. (Dallas City Hall)RollingCity (Dallas, Texas)homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerDallas homebuyerTexas homebuyerdown payment assistanceclosing cost assistanceprincipal reductiondeferred loanforgivable loancity programlow-income homebuyer support

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Down Payment & Closing Cost Assistance Grants

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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).

Funding: Grant amounts vary by household and funding source and are calculated to cover a portion of the required down payment and closing costs rather than a fixed statewide dollar amount.Deadline: Varies by program / contact providerVariesRegional (East Texas and surrounding service area)homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerTexas homebuyerdown payment assistanceclosing cost assistancegrantnonprofit housing counselinghomebuyer education requiredTexas homebuyer support

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Homebuyer Assistance Program (HAP)

Open

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…

Funding: Provides up to 25000 dollars in assistance for down payment and closing costs as a forgivable loan, with the full amount forgiven after a required period of owner occupancy and compliance with program terms.Deadline: Rolling / subject to funds. (Fort Worth, Texas)RollingCity (Fort Worth, Texas)homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerFort Worth homebuyerTexas homebuyerdown payment assistanceclosing cost assistanceforgivable loandeferred payment loancity programlow-income homebuyer supporthomebuyer education required

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Harris County Opportunity Fund – Small Business Loan Program

open

Harris County Department of Economic Equity and Opportunity / PeopleFundTXSmall Businessloan

Updated: Dec 5, 2025

The Harris County Opportunity Fund is a $17M revolving loan program providing $5,000–$250,000 in flexible, growth-focused capital to Harris County small businesses, with a strong focus on improving access to financing for minority- and women-owned enterprises.

Eligible for: Small businesses located in Harris County, TX (with emphasis on minority- or women-owned enterprises) that have been in operation for at lea…

Funding: Loans from 5,000 to 250,000 dollars with flexible underwriting and technical assistance.Deadline: Open; applications accepted on a rolling basis while capital remains in the revolving fundrollingcountyFor-profit businessWorking capitalEquipmentImprovementsExpansionJob creation

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