Central Texas
Brazos County
In Brazos County (Bryan, College Station, and Texas A&M country), plenty of first-time buyers assume they'll keep renting. You may not have to. If your income fits the limit, TSAHC and TDHCA may cover much of your down payment and closing costs, with an MCC tax credit on top. TSAHC's 2026 limits in Brazos County may reach about $152,812 for Home Sweet Texas and $173,187 for Homes for Texas Heroes, at any household size.
Quick Facts
- County seat Bryan
- Region Central Texas
- Population 245,000
- Home Sweet Texas income limit (non-targeted) ~$152,812
- FHA loan limit $541,287 Source: hud.gov
- FIPS code 48041
What Buyers Should Know
In Brazos County, TSAHC’s county income limits may allow household income up to about $152,812 for Home Sweet Texas and $173,187 for Homes for Texas Heroes, at any household size. Many Brazos County buyers may qualify for at least one TSAHC or TDHCA program; targeted areas are specific census tracts, not whole counties, so ask your lender whether a home’s address falls in one; outside those tracts, the standard income limits and first-time buyer rules apply.
FHA loan limits in Brazos mirror the College Station-Bryan baseline. The 2026 conforming loan limit is $832,750 for a 1-unit home. VA loans are uncapped above conforming limits for full-entitlement veterans.
Property tax in Brazos County averages around 1.93% effective (verify current year at the county appraisal district). The Texas residence homestead exemption shaves $140,000 off school-district appraised value and caps appraised value growth at 10% per year. File with the appraisal district on or before April 30 of the year following purchase.
Texas A&M University Anchor
Brazos County is anchored by Texas A&M University (College Station campus, ~76,000 students — the largest university in Texas). College Station (largest city, ~120,000) and Bryan (county seat, ~88,000) form the urban core. The Bush Library + Presidential Center, Kyle Field, and the A&M corridor drive a youthful + commuter buyer mix. College Station ISD, Bryan ISD, and Navasota ISD (small portion) serve the county. Most Brazos County buyers route through state-level TSAHC and TDHCA programs.
Income Limits
Brazos County Down Payment Assistance Income Limits
| Program | Max household income (non-targeted) | Max purchase price |
|---|---|---|
| Home Sweet Texas (TSAHC) | up to ~$152,812 (any household size) | bond DPA or MCC only: up to ~$566,354 |
| Homes for Texas Heroes (TSAHC) | up to ~$173,187 (any household size) | bond DPA or MCC only: up to ~$566,354 |
| My First Texas Home (TDHCA) | up to ~$101,500 (1–2 persons) / ~$116,725 (3+) | up to ~$566,354 |
| My Choice Texas Home (TDHCA) | up to ~$177,820 (conventional) / ~$172,550 (FHA/VA/USDA) | No purchase price limit |
| Figures show approximately how high non-targeted-area limits may reach for the standard above-80%-AMFI tier. TSAHC limits apply at any household size, and Homes for Texas Heroes has a higher limit than Home Sweet Texas; TSAHC's purchase price limit applies to bond-funded assistance and the MCC. My First Texas Home varies by household size and is for first-time buyers using FHA, VA, or USDA loans. My Choice Texas Home adds repeat buyers and conventional financing and has no purchase price limit. Limits may be higher in HUD-targeted census tracts and change periodically, so confirm your county's current figure with a participating lender before applying. | ||
Source: TSAHC county income limits + TDHCA Income & Purchase Price Limits
Loan Limits — Brazos County
VA
VA loans are uncapped above conforming limits for full-entitlement veterans.
Cities in Brazos County
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Bryan Down Payment Assistance: 2026 Guide
Bryan TX buyers may get up to ~5% of the loan toward down payment and closing costs through Texas TSAHC and TDHCA programs. See what you qualify for.
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Down Payment Assistance in College Station, TX
Buying in College Station, TX? See how you may get up to ~5% toward a down payment, the 2026 Brazos County limits, and how to qualify.
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School Districts in Brazos County
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Bryan ISD
If you work for Bryan ISD in the Brazos Valley, Homes for Texas Heroes may put a home within closer reach. Through Homes for Texas Heroes, full-time teachers, aides, librarians, counselors, and school nurses may qualify for TSAHC down payment assistance of up to 5% of the loan amount with no first-time-buyer requirement, and the 2026 Heroes income limit in Brazos County is about $173,187.
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College Station ISD
College Station ISD teachers and staff in Aggieland may have more help available than they expect. Through Homes for Texas Heroes, full-time teachers, aides, librarians, counselors, and school nurses may qualify for TSAHC down payment assistance of up to 5% of the loan amount with no first-time-buyer requirement, and the 2026 Heroes income limit in Brazos County is about $173,187.
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Related Guides
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Boerne Down Payment Assistance: 2026 Limits for Kendall County
Kendall County carries unusually generous income limits, up to ~$209,550. In Boerne the price cap is the real constraint, not your paycheck. See what fits.
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Seguin Down Payment Assistance: 2026 Programs and Limits
Seguin is the affordable end of the I-10 corridor, and the price cap never binds here. See which programs may put up to about 5% toward your costs.
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Buda Down Payment Assistance: 2026 Programs and Limits
Hays County carries some of the highest assistance limits in Texas. Buda buyers may qualify at incomes up to approximately $201,600. See where you actually land.
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Hutto Down Payment Assistance: 2026 Guide for Buyers
You do not need to be a first-time buyer in Hutto. Williamson County limits may reach ~$228,480 with My Choice Texas Home. See which programs fit you.
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