We're here to make Texas homebuying simpler.
We help you find the down payment programs you may qualify for, explain the rules in real numbers, and connect you with a licensed mortgage professional in our Texas partner network.
Takes under 60 seconds No commitments No credit impact
What ShopDPA Is
ShopDPA is The Texas Down Payment Assistance Marketplace. We help homebuyers find the down payment assistance and tax-credit programs they may qualify for, including TSAHC’s Home Sweet Texas Home Loan Program, Homes for Texas Heroes, TDHCA’s My First Texas Home and My Choice Texas Home, the federal Mortgage Credit Certificate, and the Texas Veterans Land Board.
We then introduce qualified buyers to a licensed mortgage professional in our partner network who closes these programs every month.
Programs We Cover
Each Texas program has its own income limits, credit floors, and rules. We help you see which ones may fit your situation.
Home Sweet Texas
For most Texas buyers
TSAHC’s flagship statewide down payment assistance. Grant or 3-year forgivable second lien for down payment and closing costs, paired with a fixed-rate first mortgage.
Learn how it worksHomes for Texas Heroes
Teachers, first responders, nurses, corrections officers, veterans, and more
TSAHC’s Heroes program. Same structure as Home Sweet Texas, with eligibility based on the occupation you serve in.
See who qualifiesMy First Texas Home
For first-time Texas buyers
TDHCA’s first-time homebuyer program. Down payment and closing-cost assistance with income limits set by county and household size.
See the rulesMy Choice Texas Home
Open to repeat buyers too
TDHCA’s program for non-first-time buyers. The same down payment assistance structure, broader eligibility.
See the detailsMortgage Credit Certificate
Federal tax credit, pairs with Texas DPA
A federal income tax credit equal to 15% of the mortgage interest you pay each year, for as long as you live in the home. Your tax preparer applies it when you file.
Learn how MCC worksTexas Veterans Land Board
Texas veterans and active duty
State-of-Texas programs offering competitive rates and the Texas-only Land Loan and Home Improvement programs. Pairs with VA loans, TSAHC, and TDHCA.
VA loans in TexasHow We Keep Our Information Accurate
Every program detail, dollar amount, eligibility rule, and worked example on this site is verified against the agency that actually runs the program. We cite the source on the page so you can confirm it yourself.
Each program page is reviewed by a Texas-licensed mortgage professional with more than 26 years of mortgage experience who closes these programs every month. If anything on this site is wrong, message us at hello@shopdpa.com and we will fix it.
Built for Texas First
Texas has some of the most generous, and most under-used, down payment programs in the country. We focus on Texas because two state agencies, TSAHC and TDHCA, fund hundreds of millions of dollars in homebuyer assistance every year, and most first-time Texas buyers have no idea they may qualify.
We cover the two state-level Texas DPA agencies plus the federal MCC tax credit, the Texas Veterans Land Board, and FHA, VA, USDA, and conventional first mortgages. Our partner network is centered in Texas and licensed across multiple states, which lets us help Texans relocating from out of state and Texas veterans buying after a PCS move.
The Founders
Two North Texas founders. One walked into a problem during COVID and built a marketing agency to fix it. The other walked away from executive banking after realizing the paperwork was getting moved but the people weren’t getting served. They both kept circling back to the same instinct: people who deserve more than they’re getting don’t always know how to find it.
Founder · Marketing and Vision
Tyler Allen
Tyler has always been drawn to one problem: people and businesses who deserve to be found, but aren’t. He started during COVID when he watched local businesses in his area struggle because nobody could find them, and built Evora Social to make small businesses visible. He approaches ShopDPA the same way. Most Texas homebuyers qualify for help they would never find on their own, and Tyler builds the systems that put it in front of them.
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Founder · Texas-Licensed Mortgage Professional
Byron Davis
Byron spent decades as an executive at two multi-billion-dollar banks, Goldman Sachs and Bank of America, and it still didn’t feel like enough. He saw too many loan officers move files through a pipeline without actually helping the family on the other end. Byron values relationships. His satisfaction comes from knowing he handed someone the keys to a home where they will raise their kids, make their memories, and build their life.
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