Texas Home Loan Education
Learn About Texas Home Loans And Down Payment Assistance.
Texas-specific guides to TSAHC, TDHCA, MCC, and every Texas home loan program. Built by Texas mortgage pros, verified against primary sources, and updated every quarter.
Featured Guides
The three guides every Texas buyer should read before applying for DPA.
Texas Home Loans
How the four loan types stack up for Texas buyers, which ones pair with DPA, and how to pick the right fit for your county and credit profile.
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Texas Down Payment Assistance: The Complete 2026 Guide
Every state-level Texas DPA program in one place — TSAHC, TDHCA, MCC. Who qualifies, how much you get, what to watch out for.
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Tools
Plug in your situation. Get a clear picture of what may fit before you ever talk to a lender.
Affordability Calculator
Plug in your income, county, and credit profile. See how much home you may be able to afford across all four loan types.
DPA Eligibility Quiz
A 60-second quiz that walks you through the same questions a Texas-licensed mortgage professional would ask.
TSAHC + TDHCA Income Limits
County-by-county AMI lookup — verify your household income against the program thresholds before you apply.
MCC Tax Credit Guide
How the Mortgage Credit Certificate works, how much you can claim, and the federal tax-liability ceiling that limits the benefit.
Latest Articles
All Texas DPA + home loan content. Use the topic filter above to narrow the list.
Texas Heroes Home Loans
Teachers, police, firefighters, EMS, corrections officers — TSAHC's Homes for Texas Heroes is built specifically for you.
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Buying a House in Texas With a Credit Score Under 620
A credit score under 620 may not rule you out in Texas. FHA, VA, and USDA may still work, state assistance starts at 620, and a 30/60/90-day plan can help you get there.
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New Construction Down Payment Assistance in Texas: Using Builder Incentives and DPA Together
Texas down payment assistance works on new builds. Here's how builder incentives fit with TSAHC and TDHCA programs, whether you have to use the builder's lender, how buydowns are treated, and how to time a rate lock on a home that isn't finished.
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What Credit Score Do You Need to Buy a House in Texas? 2026 Rules and the New Score Models
The credit score you need depends on the loan, and Texas down payment assistance sets firmer floors. Here are the 2026 minimums for FHA, VA, USDA, conventional, TSAHC, and TDHCA, which score lenders use, and what VantageScore 4.0 and FICO 10T change.
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Closing Costs in Texas for Buyers: What You’ll Pay in 2026 and How to Cover It
Closing costs typically run about 2% to 5% of the purchase price. Here's what Texas buyers pay, who pays what under a TREC contract, the 2026 Texas title insurance rates, and how down payment assistance and seller credits can help cover the bill.
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Seller Concessions in Texas: How Much a Seller Can Pay Toward Your Closing Costs (2026)
Sellers can pay part of your closing costs, prepaid items, and rate buydowns, up to a limit set by your loan. Here are the limits for conventional, FHA, VA, and USDA loans, how seller credits work with Texas down payment assistance, and how to ask for them in a TREC contract.
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Buying a House With High Interest Rates in Texas: How to Lower the Cost in 2026
Mortgage rates climbed above 7% in fall 2026. Here's where rates stand, what a higher rate does to a Texas payment, and the ways buyers are lowering the cost: seller-paid buydowns, discount points, a Mortgage Credit Certificate, the right loan type, and Texas down payment assistance.
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Refineries in Texas, Oil Fields, and Ports: Where the Energy Jobs Are and the Towns Nearby
Texas has 34 operable refineries, the Permian Basin, and a coast lined with export ports and LNG plants. Here's where the work is, what it pays, and the towns nearby, with the down payment assistance limits for each area.
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Does Overtime Count for a Mortgage? How Lenders Count Overtime, Bonus, Per Diem, and 1099 Income
Overtime can count once you have a steady history of it. Here's how Fannie Mae, Freddie Mac, FHA, VA, and USDA treat overtime, bonuses, rotation pay, per diem, 1099 income, new jobs, and gaps, and how that income lines up with Texas down payment assistance limits.
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Texas Down Payment Assistance for Oilfield and Energy Workers
Field crews, landmen, refinery and plant operators, and port, pipeline, and LNG workers use the same statewide programs any Texas buyer can. Here's what you may qualify for, the 2026 income limits in the energy counties, and how lenders read pay that doesn't arrive in a straight line.
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Texas City Down Payment Assistance Programs (2026): What Each City Offers
Dallas, Houston, San Antonio, Austin, Fort Worth, Irving, El Paso and Arlington city down payment assistance compared: amounts, income limits, and which programs are open in 2026.
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Texas Purchase Price Limits for Down Payment Assistance (2026)
When Texas down payment assistance caps the home price, the 2026 TDHCA and TSAHC purchase price limits by area, and the FHA and conforming loan limits that also matter.
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Texas First-Time Home Buyer Grants: How Much You Can Get (2026)
How much first-time home buyer help you can get in Texas: 2% to 5% from TSAHC and TDHCA, local gifts of $1,000 to $7,500, and up to $60,000 from the City of Dallas, with dollar examples.
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Texas Down Payment Assistance Income Limits Went Up in 2026
TSAHC raised its income limits to 150% of area median for Home Sweet Texas and 170% for Homes for Texas Heroes, and TDHCA rolled out new limits July 13, 2026. See the old and new figures.
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TDHCA Income Limits 2026
TDHCA income limits for 2026 by area: My First Texas Home and MCC limits by household size, My Choice Texas Home limits up to 170% of area median, purchase price limits, and whose income counts.
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TDHCA Interest Rates
Today's TDHCA rates for My First Texas Home and My Choice Texas Home, plus how the bond, MCC combo, and down payment assistance options compare.
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Boerne Down Payment Assistance: 2026 Limits for Kendall County
Boerne sits in Kendall County, which TDHCA treats as its own area rather than folding it into San Antonio, and the Kendall figures run high.
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Seguin Down Payment Assistance: 2026 Programs and Limits
Seguin is the Guadalupe County seat and the affordable end of the corridor running back toward New Braunfels, Cibolo, and San Antonio.
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Alvin Down Payment Assistance: 2026 Guide for Brazoria County
Alvin sits in Brazoria County, which TSAHC treats as its own county and TDHCA treats as its own area, the Brazoria County HMFA, rather than folding it into Houston.
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Tomball Down Payment Assistance: 2026 Programs and Limits
Tomball sits at the northwest corner of Harris County, so Harris County figures apply. The TSAHC income limit may reach approximately $156,000 at any household size, TDHCA My First…
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Friendswood Down Payment Assistance: 2026 Guide for Buyers
Friendswood is an above-average-income, above-average-price suburb, so the local question is whether the programs reach this far up.
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Buda Down Payment Assistance: 2026 Programs and Limits
Buda sits in Hays County, inside the Austin-Round Rock area, which carries some of the highest income and price ceilings TSAHC and TDHCA publish in Texas.
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Cleburne Down Payment Assistance: 2026 Guide for Johnson County
Cleburne prices sit far under the ceilings, which changes what the programs are for here. The Fort Worth-Arlington purchase-price limit runs to approximately $589,596 and the Johnson…
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Midlothian Down Payment Assistance: 2026 Programs and Limits
Midlothian runs on cement and steel, so the local question is almost always whether plant and mill pay is too high to qualify.
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Prosper Down Payment Assistance: 2026 Limits and What Actually Fits
In Prosper the binding constraint is price rather than income. The Collin County TSAHC income limit may reach approximately $181,650 at any household size, but the area purchase-price…
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Rowlett Down Payment Assistance: 2026 Guide for Buyers
Rowlett is the Lake Ray Hubbard peninsula city at the northeast corner of Dallas County, and it is one of the few reasonably priced DFW suburbs with a DART rail terminus, which lets…
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Rosenberg Down Payment Assistance: 2026 Guide for Fort Bend Buyers
Rosenberg is the affordable end of Fort Bend County, an old railroad town where the US-59/I-69 corridor crosses the Brazos bottom and prices sit well under Sugar Land.
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Baytown Down Payment Assistance: 2026 Programs and Limits
Baytown runs on ship channel industry, so the most common local question is whether plant pay is too high to qualify.
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Weatherford Down Payment Assistance: 2026 Guide for Parker County
Weatherford is the Parker County seat on the western edge of the metroplex, close enough to commute into Fort Worth on I-20 but far enough that most buyers are choosing land over…
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Burleson Down Payment Assistance: 2026 Programs and Limits
Burleson sits on the south growth edge of Fort Worth, mostly in Johnson County with a slice extending into Tarrant County, and both sides use the same Fort Worth-Arlington figures.
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Waxahachie Down Payment Assistance: 2026 Programs and Limits
Waxahachie is the Ellis County seat, far enough down I-35E that buyers get land and square footage Dallas County stopped offering years ago.
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Little Elm Down Payment Assistance: 2026 Guide
Little Elm sits on the northern and eastern shores of Lewisville Lake in Denton County and uses the Dallas-area program figures.
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Wylie Down Payment Assistance: 2026 Guide for Collin County Buyers
Wylie sits mostly in Collin County and reaches into Dallas and Rockwall counties, and all three use the same Dallas-area figures.
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Hutto Down Payment Assistance: 2026 Guide for Buyers
Hutto sits in eastern Williamson County, which TDHCA scores inside the Austin-Round Rock area, so the ceilings are set by Austin income data rather than by Hutto prices.
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Rockwall Down Payment Assistance: 2026 Programs and Limits
Rockwall sits on the east shore of Lake Ray Hubbard, about thirty minutes up I-30 from downtown Dallas, in the smallest county in Texas by land area and one of the highest-earning.
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Kyle Down Payment Assistance: 2026 Programs and Limits
Kyle sits in Hays County on the I-35 south corridor, which carries the Austin-Round Rock program figures, one of the highest tiers in Central Texas.
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Texas City Down Payment Assistance: 2026 Guide
Down payment assistance in Texas City, Texas, explained: how TSAHC and TDHCA help with your down payment and closing costs, and how to start.
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Galveston Down Payment Assistance: 2026 Guide
Down payment assistance in Galveston, Texas, explained: how TSAHC and TDHCA help with your down payment and closing costs, who qualifies, and how to start.
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Port Arthur Down Payment Assistance: 2026 Guide
Down payment assistance in Port Arthur, Texas, explained: how TSAHC and TDHCA help with your down payment and closing costs, and how to start.
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Pharr Down Payment Assistance: 2026 Guide
Down payment assistance in Pharr, Texas, explained: how TSAHC and TDHCA help with your down payment and closing costs, who qualifies, and how to start.
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Mission Down Payment Assistance: 2026 Guide
Down payment assistance in Mission, Texas, explained: how TSAHC and TDHCA help with your down payment and closing costs, who qualifies, and how to start.
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Edinburg Down Payment Assistance: 2026 Guide
Down payment assistance in Edinburg, Texas, explained: how TSAHC and TDHCA help with your down payment and closing costs, who qualifies, and how to start.
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Harlingen Down Payment Assistance: 2026 Guide
Down payment assistance in Harlingen, Texas, explained: how TSAHC and TDHCA help with your down payment and closing costs, who qualifies, and how to start.
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Bryan Down Payment Assistance: 2026 Guide
Down payment assistance in Bryan, Texas, explained: how TSAHC and TDHCA help with your down payment and closing costs, who qualifies, and how to start.
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Sherman & Denison Down Payment Assistance: 2026 Guide
Down payment assistance in the Sherman and Denison area (Grayson County), Texas: how TSAHC and TDHCA help with your down payment and closing costs, and how to start.
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Victoria Down Payment Assistance: 2026 Guide
Down payment assistance in Victoria, Texas, explained: how TSAHC and TDHCA help with your down payment and closing costs, who qualifies, and how to start.
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Longview Down Payment Assistance: 2026 Guide
Down payment assistance in Longview, Texas, explained: how TSAHC and TDHCA help with your down payment and closing costs, who qualifies, and how to start.
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Texarkana Down Payment Assistance: 2026 Guide
Down payment assistance in Texarkana, Texas (Bowie County), explained: how TSAHC and TDHCA help with your down payment and closing costs, and how to start.
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Temple Down Payment Assistance: 2026 Guide
Down payment assistance in Temple, Texas, explained: how TSAHC and TDHCA help with your down payment and closing costs, who qualifies, and how to start.
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San Angelo Down Payment Assistance: 2026 Guide
Down payment assistance in San Angelo, Texas, explained: how TSAHC and TDHCA help with your down payment and closing costs, who qualifies, and how to start.
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Wichita Falls Down Payment Assistance: 2026 Guide
Down payment assistance in Wichita Falls, Texas, explained: how TSAHC and TDHCA help with your down payment and closing costs, who qualifies, and how to start.
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Down Payment Assistance in College Station, TX
A 2026 guide to down payment assistance in College Station, Texas: how the statewide TSAHC and TDHCA programs work, the Brazos County income and price limits, and how to qualify.
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Down Payment Assistance in Odessa, TX
A 2026 guide to down payment assistance in Odessa, Texas: how the statewide TSAHC and TDHCA programs work, the Ector County income and price limits, and how to qualify.
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Down Payment Assistance in Midland, TX
A 2026 guide to down payment assistance in Midland, Texas: how the statewide TSAHC and TDHCA programs work, the higher Midland-area income and price limits, and how to qualify.
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Down Payment Assistance in Abilene, TX
A 2026 guide to down payment assistance in Abilene, Texas: how the statewide TSAHC and TDHCA programs work, the Taylor County income and price limits, the VA path for Dyess buyers, and how to qualify.
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Down Payment Assistance in Tyler, TX
A 2026 guide to down payment assistance in Tyler, Texas: how the statewide TSAHC and TDHCA programs work, the Smith County income and price limits, and how to qualify.
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Down Payment Assistance in Beaumont, TX
A 2026 guide to down payment assistance in Beaumont, Texas: how the statewide TSAHC and TDHCA programs work, the Jefferson County income and price limits, and how to qualify.
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Down Payment Assistance in Brownsville, TX
A 2026 guide to down payment assistance in Brownsville, Texas: how the statewide TSAHC and TDHCA programs work, the Cameron County income and price limits, and how to qualify.
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Down Payment Assistance in Grapevine, TX
A 2026 guide to down payment assistance in Grapevine, Texas: how the statewide TSAHC and TDHCA programs work, the Tarrant County income and price limits, and how to qualify.
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Down Payment Assistance in Mansfield, TX
A 2026 guide to down payment assistance in Mansfield, Texas: how the statewide TSAHC and TDHCA programs work across Tarrant, Johnson, and Ellis counties, and how to qualify.
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Down Payment Assistance in Allen, TX
A 2026 guide to down payment assistance in Allen, Texas: how the statewide TSAHC and TDHCA programs work, the Collin County income and price limits, and how to qualify.
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Down Payment Assistance in Lewisville, TX
A 2026 guide to down payment assistance in Lewisville, Texas: how the statewide TSAHC and TDHCA programs work, the Denton County income and price limits, and how to qualify.
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Down Payment Assistance in Richardson, TX
A 2026 guide to down payment assistance in Richardson, Texas: how the statewide TSAHC and TDHCA programs work, the Dallas-area income and price limits, and how to qualify.
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Down Payment Assistance in Carrollton, TX
A 2026 guide to down payment assistance in Carrollton, Texas: how the statewide TSAHC and TDHCA programs work across all three counties, the income and price limits, and how to qualify.
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Down Payment Assistance in Mesquite, TX
A 2026 guide to down payment assistance in Mesquite, Texas: how the statewide TSAHC and TDHCA programs work, the Dallas County income and price limits, and how to qualify.
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Down Payment Assistance in Denton, TX
A 2026 guide to down payment assistance in Denton, Texas: how the statewide TSAHC and TDHCA programs work, Denton County income and price limits, and how to qualify.
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McAllen Down Payment Assistance: 2026 Programs & Income Limits
McAllen is one of the most affordable cities in Texas, so the program price limit, around $566,354, almost never comes into play.
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Amarillo Down Payment Assistance: 2026 Programs & Income Limits
Amarillo is one of the most affordable cities in Texas, so the program price limit, around $566,354, almost never comes into play.
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Waco Down Payment Assistance: 2026 Programs & Income Limits
Even after the Magnolia-era growth, Waco prices sit below the program price limit, around $566,354, so the cap rarely bites.
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Killeen Down Payment Assistance: 2026 Programs & Income Limits
Killeen sits next to Fort Cavazos and is one of the more affordable cities in Texas, so the program price limit, around $566,354, rarely comes into play.
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Laredo Down Payment Assistance: 2026 Programs & Income Limits
Laredo is one of the most affordable cities in Texas, so the program price limit, around $566,354, almost never comes into play.
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Lubbock Down Payment Assistance: 2026 Programs & Income Limits
Lubbock is one of the more affordable cities in Texas, so the program price limit, around $566,354, rarely comes into play.
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Corpus Christi Down Payment Assistance: 2026 Programs & Income Limits
Corpus Christi is an affordable coastal city, so the program price limit, around $566,354, rarely comes into play.
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El Paso Down Payment Assistance: 2026 Programs & Income Limits
El Paso is one of the most affordable big cities in Texas, so the program price limit, around $566,354, almost never comes into play.
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Converse Down Payment Assistance: 2026 Programs & Income Limits
Converse sits in Bexar County, inside the San Antonio income band. The TSAHC limit may reach approximately $157,358 for a household of any size, and TDHCA's My Choice Texas Home may…
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Cibolo Down Payment Assistance: 2026 Programs & Income Limits
Cibolo sits in Guadalupe County, inside the San Antonio income band. The TSAHC limit may reach approximately $157,358 for a household of any size, and TDHCA's My Choice Texas Home may…
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Schertz Down Payment Assistance: 2026 Programs & Income Limits
Schertz sits in Guadalupe, Comal, and Bexar counties, inside the San Antonio income band. The TSAHC limit may reach approximately $157,358 for a household of any size, and TDHCA's My…
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New Braunfels Down Payment Assistance: 2026 Programs & Income Limits
New Braunfels sits in Comal and Guadalupe counties, inside the San Antonio income band. The TSAHC limit may reach approximately $157,358 for a household of any size, and TDHCA's My…
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Leander Down Payment Assistance: 2026 Programs & Income Limits
Leander sits in Williamson County, inside the higher Austin–Round Rock income band. The TSAHC limit may reach approximately $201,600 for a household of any size, and TDHCA's My Choice…
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San Marcos Down Payment Assistance: 2026 Programs & Income Limits
San Marcos sits in Hays County, inside the Austin–Round Rock income band. The TSAHC limit may reach approximately $201,600 for a household of any size, and TDHCA's My Choice Texas Home…
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Pflugerville Down Payment Assistance: 2026 Programs & Income Limits
Pflugerville sits in Travis County, inside the higher Austin–Round Rock income band. The TSAHC limit may reach approximately $201,600 for a household of any size, and TDHCA's My Choice…
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Georgetown Down Payment Assistance: 2026 Programs & Income Limits
Georgetown is the Williamson County seat, and the Austin–Round Rock income limits run high here.
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Cedar Park Down Payment Assistance: 2026 Programs & Income Limits
Income limits in the Austin–Round Rock area, which includes Cedar Park, run high. The TSAHC limit may reach approximately $201,600 for a household of any size, and TDHCA's My Choice…
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Round Rock Down Payment Assistance: 2026 Programs & Income Limits
Income limits in the Austin–Round Rock area run higher than most buyers expect. In Williamson County, the TSAHC limit may reach approximately $201,600 for a household of any size, and…
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Down Payment Assistance in Cypress, TX
How down payment assistance works for Cypress buyers in 2026: why unincorporated Harris County opens a second door, the statewide TSAHC and TDHCA programs, the 2026 limits, and what you may qualify for.
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Down Payment Assistance in Missouri City, TX
How down payment assistance works for Missouri City buyers in Fort Bend County in 2026: the Fort Bend County program, the statewide TSAHC and TDHCA programs, the 2026 limits, and what you may qualify for.
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Down Payment Assistance in Spring, TX
How down payment assistance works for Spring buyers in 2026: why unincorporated Harris County opens a second door through the county program, the statewide TSAHC and TDHCA programs, and what you may qualify for.
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Down Payment Assistance in Conroe, TX
How down payment assistance works for Conroe buyers in Montgomery County in 2026: why this affordable city is an easy place to qualify, the statewide TSAHC and TDHCA programs, and what you may qualify for.
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Down Payment Assistance in League City, TX
How down payment assistance works for League City buyers in Galveston County in 2026: why the statewide programs are the path, the 2026 income and price limits, and what you may qualify for.
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Down Payment Assistance in Pasadena, TX
How down payment assistance works for Pasadena buyers in 2026: why this affordable Harris County city is one of the easiest places to qualify, the statewide TSAHC and TDHCA programs, and what you may qualify for.
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Down Payment Assistance in Katy, TX
How down payment assistance works for Katy buyers across Harris, Fort Bend, and Waller counties in 2026: how your county changes the limit, the statewide TSAHC and TDHCA programs, and what you may qualify for.
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Down Payment Assistance in Pearland, TX
How down payment assistance works for Pearland buyers across Brazoria, Harris, and Fort Bend counties in 2026: the higher Brazoria County income limit, the statewide TSAHC and TDHCA programs, and what you may qualify for.
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Down Payment Assistance in The Woodlands, TX
How down payment assistance works for The Woodlands and Montgomery County buyers in 2026: the income and purchase-price limits that decide eligibility, the statewide TSAHC and TDHCA programs, and how to see what you may qualify for.
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Down Payment Assistance in Sugar Land, TX
How down payment assistance works for Sugar Land and Fort Bend County buyers in 2026: the income and purchase-price limits that actually decide eligibility, the statewide TSAHC and TDHCA programs, the local Fort Bend County program, and how to see what you may qualify for.
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What Is TSAHC?
TSAHC is the Texas State Affordable Housing Corporation, a nonprofit that helps Texans buy homes through down payment assistance and a tax credit. Here is how it works and who qualifies.
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TSAHC Income Limits 2026
TSAHC income limits for 2026 by Texas county: 150% of area median for Home Sweet Texas and 170% for Homes for Texas Heroes, at any household size. See your county, what counts, and when lower limits apply.
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TSAHC Interest Rates
Today's TSAHC interest rates for Home Sweet Texas and Homes for Texas Heroes, taken from TSAHC's daily rate sheet: no-DPA, 3-year forgivable, and 30-year bond options, plus fees explained.
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Grand Prairie Down Payment Assistance
Down payment assistance in Grand Prairie, TX may cover up to about 5% of your loan through TSAHC and TDHCA, plus the city Buying Power Program. See 2026 income limits across Dallas, Tarrant, and Ellis counties.
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Garland Down Payment Assistance
Down payment assistance in Garland, TX may cover up to about 5% of your loan through TSAHC and TDHCA. In an affordable Dallas County city, the help reaches nearly the whole market. See 2026 limits and how to qualify.
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Irving Down Payment Assistance
Down payment assistance in Irving, TX may cover up to about 5% of your loan through TSAHC and TDHCA, plus a generous city program. See 2026 Dallas County income limits and how to qualify.
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McKinney Down Payment Assistance
Down payment assistance in McKinney, TX may cover up to about 5% of your loan through TSAHC and TDHCA. See 2026 Collin County income limits, programs, and how to qualify.
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Frisco Down Payment Assistance
Down payment assistance in Frisco, TX may cover up to about 5% of your loan through TSAHC and TDHCA. See 2026 Collin and Denton County income limits, the price cap, and how to qualify.
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Plano Down Payment Assistance
Down payment assistance in Plano, TX may cover up to about 5% of your loan through TSAHC and TDHCA. See 2026 Collin County income limits, the price cap, and how to qualify.
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Arlington Down Payment Assistance
Down payment assistance in Arlington, TX may cover up to about 5% of your loan amount through TSAHC and TDHCA. See 2026 Tarrant County income limits, programs, and how to qualify.
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Fort Worth Down Payment Assistance
Fort Worth down payment assistance can put thousands toward your first home. See which Texas programs you may qualify for in Tarrant County, the income limits, and how to find out where you stand.
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Austin Down Payment Assistance
Austin has a reputation for being out of reach. For a lot of buyers, the gap between renting and owning is smaller than they think, and Texas down payment assistance is a big part of why.
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Mortgage Pre-Approval vs Pre-Qualification in Texas (2026)
The two words get used interchangeably, even by lenders, but in a competitive Texas market the strength of your letter can matter almost as much as your offer price.
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How Much Should You Put Down on a House in Texas? (2026)
The "best" down payment is not always the biggest one. Putting less down and keeping cash in the bank is often the smarter move, and many Texas buyers need far less than they think.
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What Credit Score for a Conventional Loan in Texas? (2026)
You probably need a lower score than you think. Most conventional loans start around 620, and your whole financial picture, not just the number, decides what you qualify for.
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Conventional vs FHA Loan: Which Is Better in Texas? (2026)
FHA is not just for first-timers, and conventional is not just for people with big down payments. The real answer depends on your numbers, and one path may quietly save you thousands.
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What Is PMI & When Does PMI Go Away in Texas? (2026)
PMI has a bad reputation it does not deserve. For many Texas buyers it is the tool that turns "someday" into this year, and on a conventional loan it does not stick around forever.
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TSAHC vs. TDHCA: Which Texas Down Payment Assistance Program Is Right for You? (2026)
TSAHC vs. TDHCA compared side by side: assistance structures, 2026 income limits, first-time buyer rules, the MCC, and whether TSAHC is worth it for your purchase.
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TSAHC Down Payment Assistance: Home Sweet Texas, Heroes and MCC Guide (2026)
How TSAHC Home Sweet Texas and Homes for Texas Heroes work: up to 5 percent down payment assistance, a 620 score, shared county income limits, and a 15 percent MCC tax credit.
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How Much Down Payment Do You Need to Buy a House in Texas? (2026)
You may need far less than 20% down. See the real down payment minimums to buy a house in Texas — and how down payment assistance can lower them further.
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First-Time Home Buyer in Texas: The Complete 2026 Guide
Everything a first-time home buyer in Texas needs in 2026 — down payment minimums, loan types, down payment assistance, income limits, and the myths to ignore.
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How Long Is a Mortgage Pre-Approval Good For? Texas Homebuyer Guide (2026)
Most mortgage pre-approvals last about 60–90 days. Here's how pre-approval works in Texas, how it differs from pre-qualification, and how to renew it.
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Texas Down Payment Assistance Programs: Eligibility, Income Limits, Grants & Pros and Cons (2026)
A clear guide to Texas down payment assistance programs — who qualifies, how high income limits really go, the four types of assistance, and the pros and cons.
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Grant vs. Forgivable Loan vs. Deferred Loan: Texas Down Payment Assistance Explained (2026)
The three most common types of Texas down payment assistance — grants, forgivable loans, and deferred loans — and how to choose the structure that fits you.
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TDHCA Down Payment Assistance: The Texas Homebuyer Program Guide (2026)
How TDHCA's My First Texas Home and My Choice Texas Home programs work — up to 5% down payment assistance, a 620 credit minimum, and income limits higher than most Texas buyers expect.
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Conventional Loans in Texas: Requirements, Limits & Down Payment
A conventional loan can start with as little as 3% down in Texas, with PMI that cancels as you build equity. Here are the requirements, the 2026 loan limits, and how conventional compares with FHA, VA, and USDA.
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USDA Loans in Texas: $0 Down, Eligibility Maps & Income Limits
A USDA loan lets eligible Texas buyers purchase a primary home in a USDA-eligible rural area with 100% financing and no down payment. Here is how eligibility, the income limits, the guarantee fee, and the area map actually work in 2026.
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VA Loans in Texas: $0 Down, Eligibility, and Limits
A VA loan lets eligible Texas veterans and service members buy a primary residence with $0 down and no monthly mortgage insurance. Here is how eligibility, the funding fee, and Texas loan limits actually work in 2026.
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FHA Loans in Texas: Requirements, Limits, and How to Qualify
An FHA loan is how many Texas buyers get into a home with just 3.5% down and a credit score as low as 580. Here is how FHA loans work in Texas — the requirements, 2026 loan limits by county, mortgage insurance, and how to qualify.
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Firefighter Home Loans in Texas: Down Payment Assistance
Firefighter home loans in Texas come with an advantage built for the people who run toward danger — the Homes for Texas Heroes program offers a grant or forgivable second lien toward your down payment, no first-time-buyer requirement, plus an optional MCC tax credit.
Tyler Allen
EMS & EMT Home Loans in Texas: Down Payment Help for First Responders
First responder home loans in Texas reach further than most EMS workers expect — the Homes for Texas Heroes program offers a grant or forgivable second lien toward your down payment, no first-time-buyer requirement, plus an optional MCC tax credit. Here is how EMS personnel qualify.
Tyler Allen
Texas Corrections Officer Home Loans & Down Payment Assistance
Texas corrections officer home loans get overlooked, but the Homes for Texas Heroes program covers corrections officers, juvenile corrections officers, and county jailers — a grant or forgivable second lien toward your down payment, no first-time-buyer requirement, plus an MCC tax credit.
Tyler Allen
Texas Veteran Home Loan: VA Loans, DPA & VLB Benefits
A Texas veteran home loan can take several forms — a VA loan (zero down, no monthly mortgage insurance), Homes for Texas Heroes down payment assistance, the Texas Veterans Land Board, and an MCC tax credit. Veterans are exempt from the first-time-buyer rule. Here is how the options fit together.
Tyler Allen
Texas Nurse & Nursing Faculty Home Loans & Down Payment Assistance
Home loans for nurses in Texas follow two paths: nursing faculty and public school nurses may qualify for Homes for Texas Heroes, while bedside RNs and nurse practitioners may use Home Sweet Texas, with the same kind of down payment help and no first-time-buyer requirement.
Tyler Allen
Home Loans for Police Officers in Texas: Down Payment Assistance
Home loans for police officers in Texas: Homes for Texas Heroes may pair a 30-year fixed mortgage with down payment and closing cost help of up to 5% of the loan amount, with no first-time-buyer requirement and an optional MCC tax credit for eligible first-time buyers.
Tyler Allen
Texas Teacher Home Loans: Down Payment Assistance for Texas Educators
Texas teachers, aides, librarians, counselors, and school nurses may qualify for Homes for Texas Heroes: up to 5% of the loan amount, no first-time buyer rule, and county income limits from about $172,550.
Tyler Allen
San Antonio Down Payment Assistance
The City of San Antonio's HIP program is paused for FY 2026 — but the statewide TSAHC and TDHCA programs are open year-round, reach all of Bexar County and the JBSA communities, and carry higher income ceilings.
Tyler Allen
Dallas Down Payment Assistance
Down payment assistance in Dallas isn't just for low incomes — the main Texas program serving Dallas County allows income up to about $181,650 at any household size, with grants, forgivable seconds, and a federal MCC tax credit.
Tyler Allen
Houston Down Payment Assistance
Most Houston buyers think they need 20% down. They don't — TSAHC, TDHCA, and the federal MCC tax credit may cover much of your down payment and closing costs, with income limits that reach well into a normal Houston salary.
Tyler Allen
Mortgage Credit Certificate Texas — 15% Tax Credit Guide (2026)
A federal income tax credit worth 15% of your annual mortgage interest, every year you own your Texas home — issued at closing by TSAHC or TDHCA, paired with state down payment assistance, and limited only by your federal tax liability.
Tyler Allen
My Choice Texas Home — 2026 Repeat Buyer DPA Guide
TDHCA's down payment assistance for repeat Texas buyers — up to 5% of your loan amount, no purchase price limits, and income limits that scale by loan type.
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My First Texas Home — 2026 First-Time Buyer Guide
TDHCA's first-time-buyer DPA — up to 5% of your loan amount as a 30-year deferred second lien or 3-year forgivable lien, paired with FHA, VA, or USDA.
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Homes for Texas Heroes Program (2026 Guide)
Homes for Texas Heroes may help Texas teachers, first responders, corrections officers, nursing faculty, and veterans with up to 5% of the loan amount, plus a 15% MCC option.
Tyler Allen
Home Sweet Texas Home Loan Program (2026 Guide)
Home Sweet Texas may help Texas buyers within TSAHC's income limits with up to 5% of the loan amount toward down payment and closing costs, and most options don't require first-time buyer status.
Tyler Allen