Loan Program
Down Payment Assistance
Programs that help Texans get to the closing table sooner.
Overview
Down Payment Assistance programs can bridge the final gap between rent and ownership. Texas offers grants, forgivable seconds, and bond programs — layered on top of FHA, VA, or Conventional financing.
Who it's for
- First-time home buyers
- Buyers within income limits
- Educators, first responders, and healthcare workers
- Anyone short on down-payment savings
Benefits
- Down payment and closing-cost help
- Grants and forgivable second liens
- Stackable with FHA, VA, USDA, Conventional
- Statewide and city-specific options
Common Questions
Do I have to pay it back?
It depends on the program — some are grants, some are forgivable seconds after occupancy, and some are repayable seconds.
Is there an income limit?
Most programs have one. We match you to programs where you fit before you shop.
Can I use it with any loan?
Most DPA layers with FHA, VA, USDA, or Conventional — the pairing depends on the program.
Explore other programs