Texas Region
North Texas Down Payment Assistance: 2026 Programs by County
North Texas covers the Dallas-Fort Worth metroplex and the counties just beyond it — including Collin, Denton, Dallas, Tarrant, Rockwall, Kaufman, and Ellis. Down payment assistance through TSAHC and TDHCA may help eligible buyers across every county here, often with no first-time-buyer requirement.
Counties in North Texas
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Collin County
Collin County (McKinney, Plano, Frisco, and the booming north side of DFW) runs pricey, but the assistance income limits are higher here than buyers expect. You may qualify for TSAHC or TDHCA down payment help and the MCC tax credit even on a comfortable household income, so it's worth checking before you count yourself out. TSAHC's 2026 limits in Collin County may reach about $181,650 for Home Sweet Texas and $205,870 for Homes for Texas Heroes, at any household size.
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Dallas County
A lot of Dallas County buyers count themselves out before they ever check. Don't. Eligible buyers may qualify for TSAHC or TDHCA down payment assistance and the federal MCC tax credit, and within Dallas city limits the City's Mortgage Assistance Program is worth a look. The income limits run higher than most people guess. TSAHC's 2026 limits in Dallas County may reach about $181,650 for Home Sweet Texas and $205,870 for Homes for Texas Heroes, at any household size.
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Denton County
From the city of Denton to fast-growing Little Elm, Denton County is one of DFW's hottest markets, and Texas down payment assistance can help you compete. Eligible buyers may pair TSAHC or TDHCA help with the federal MCC tax credit, even at incomes well into six figures. TSAHC's 2026 limits in Denton County may reach about $181,650 for Home Sweet Texas and $205,870 for Homes for Texas Heroes, at any household size.
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Ellis County Down Payment Assistance 2026: TSAHC + TDHCA + MCC
Just south of the Metroplex, Ellis County (Waxahachie, Midlothian, Ennis) gives DFW buyers more house for the money, and assistance may cover much of the up-front cost. Eligible buyers may qualify for TSAHC or TDHCA down payment help and the MCC tax credit, with income limits higher than most expect. TSAHC's 2026 limits in Ellis County may reach about $181,650 for Home Sweet Texas and $205,870 for Homes for Texas Heroes, at any household size.
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Hunt County Down Payment Assistance 2026: TSAHC + TDHCA + MCC
Just northeast of the Metroplex, Hunt County and Greenville give DFW commuters more home for the money. Eligible buyers may qualify for TSAHC or TDHCA down payment assistance and the federal MCC tax credit, with income limits higher than most expect. TSAHC's 2026 limits in Hunt County may reach about $181,650 for Home Sweet Texas and $205,870 for Homes for Texas Heroes, at any household size.
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Johnson County Down Payment Assistance 2026: TSAHC + TDHCA + MCC
South of Fort Worth, Johnson County and Cleburne give buyers a small-town feel within reach of DFW jobs. If your income fits the limit, TSAHC or TDHCA may put real money toward your down payment and closing costs, with an MCC tax credit on top. TSAHC's 2026 limits in Johnson County may reach about $165,450 for Home Sweet Texas and $187,510 for Homes for Texas Heroes, at any household size.
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Kaufman County Down Payment Assistance 2026: TSAHC + TDHCA + MCC
Kaufman County, on the fast-growing east side of DFW around Forney and Terrell, is drawing families priced out closer in. Eligible buyers may qualify for TSAHC or TDHCA down payment help and the federal MCC tax credit, with income limits set higher than most assume. TSAHC's 2026 limits in Kaufman County may reach about $181,650 for Home Sweet Texas and $205,870 for Homes for Texas Heroes, at any household size.
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Parker County Down Payment Assistance 2026: TSAHC + TDHCA + MCC
West of Fort Worth, Parker County and Weatherford offer space and a small-town pace within reach of DFW jobs. Eligible buyers may qualify for TSAHC or TDHCA down payment assistance and the federal MCC tax credit, with income limits set higher than most expect. TSAHC's 2026 limits in Parker County may reach about $165,450 for Home Sweet Texas and $187,510 for Homes for Texas Heroes, at any household size.
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Rockwall County Down Payment Assistance 2026: TSAHC + TDHCA + MCC
Rockwall County, on the shores of Lake Ray Hubbard east of Dallas, packs a lot of appeal into Texas's smallest county. Eligible buyers may qualify for TSAHC or TDHCA down payment help and the federal MCC tax credit, with income limits set higher than most assume. TSAHC's 2026 limits in Rockwall County may reach about $181,650 for Home Sweet Texas and $205,870 for Homes for Texas Heroes, at any household size.
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Tarrant County
Tarrant County is Fort Worth and the western half of DFW, and the cash up front is what stops most would-be buyers, not the payment. Eligible buyers may shrink it with TSAHC or TDHCA down payment assistance and the federal MCC tax credit; within Fort Worth city limits, the City's Homebuyer Assistance Program is worth a look. The income limits run higher than people guess. TSAHC's 2026 limits in Tarrant County may reach about $165,450 for Home Sweet Texas and $187,510 for Homes for Texas Heroes, at any household size.
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Wichita County Down Payment Assistance 2026: TSAHC + TDHCA + MCC
Wichita County and Wichita Falls, up near the Red River, offer North Texas affordability that's hard to beat. Eligible buyers may qualify for TSAHC or TDHCA down payment assistance and the MCC tax credit, with income limits higher than first-time buyers expect. TSAHC's 2026 limits in Wichita County may reach about $154,642 for Home Sweet Texas and $175,261 for Homes for Texas Heroes, at any household size.
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Cities in North Texas
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Arlington Down Payment Assistance
Down payment assistance in Arlington, TX may cover up to ~5% of your loan through TSAHC and TDHCA. See 2026 income limits, programs, and how you qualify.
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Burleson Down Payment Assistance: 2026 Programs and Limits
Burleson sits on the Fort Worth-area limits, so the ceiling is lower than Dallas. See where you land and which program may still reach you above it.
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Cleburne Down Payment Assistance: 2026 Guide for Johnson County
In Cleburne neither the price cap nor the income limit usually binds, so the down payment is the whole obstacle. See what assistance may cover.
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Dallas Down Payment Assistance
Dallas down payment assistance: TSAHC & TDHCA programs, 2026 DFW income limits, the 15% MCC tax credit, and first-time buyer grants in Dallas County.
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Down Payment Assistance in Allen, TX
Think you earn too much in Allen, TX? See the 2026 Collin County limits and how you may get up to ~5% toward a down payment with statewide programs.
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Down Payment Assistance in Carrollton, TX
Buying in Carrollton, TX? See how you may get up to ~5% toward a down payment, the 2026 income and price limits, and why your county line does not change it.
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Down Payment Assistance in Denton, TX
See how Denton, TX buyers may get up to ~5% toward a down payment through statewide programs. Check the 2026 Denton County income and price limits.
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Down Payment Assistance in Grapevine, TX
Buying in Grapevine, TX? See how you may get up to ~5% toward a down payment, the 2026 Tarrant County limits, and how you can qualify.
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Down Payment Assistance in Lewisville, TX
Renting near Lake Lewisville? See how you may get up to ~5% toward a down payment, the 2026 Denton County limits, and how you can qualify.
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Down Payment Assistance in Mansfield, TX
Buying in Mansfield, TX? See how you may get up to ~5% toward a down payment, the 2026 county income limits, and how to qualify across three counties.
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Down Payment Assistance in Mesquite, TX
Most Mesquite, TX buyers fit the limits. See how you may get up to ~5% toward a down payment with statewide programs and the 2026 Dallas County limits.
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Down Payment Assistance in Richardson, TX
Think your tech income is too high in Richardson, TX? See the 2026 limits and how you may get up to ~5% toward a down payment with statewide programs.
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Fort Worth Down Payment Assistance
See which Texas down payment assistance and first-time buyer programs you may qualify for in Fort Worth, the Tarrant County income limits, loan types, and how to start.
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Frisco Down Payment Assistance
Down payment assistance in Frisco, TX may cover up to ~5% of your loan through TSAHC and TDHCA. See 2026 Collin and Denton County limits and how you qualify.
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Garland Down Payment Assistance
Down payment assistance in Garland, TX may cover up to ~5% of your loan through TSAHC and TDHCA. See 2026 Dallas County income limits and how you qualify.
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Grand Prairie Down Payment Assistance
Down payment assistance in Grand Prairie, TX may cover up to ~5% of your loan through TSAHC and TDHCA. See 2026 income limits across Dallas, Tarrant, and Ellis counties.
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Irving Down Payment Assistance
Down payment assistance in Irving, TX may cover up to ~5% of your loan through TSAHC and TDHCA, plus a city program. See 2026 Dallas County limits and how you qualify.
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Little Elm Down Payment Assistance: 2026 Guide
You do not need 20% down in Little Elm. Conventional starts at 3%, and assistance may add up to ~5% of your loan. See what your cash to close really looks like.
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McKinney Down Payment Assistance
Down payment assistance in McKinney, TX may cover up to ~5% of your loan through TSAHC and TDHCA. See 2026 Collin County income limits and how you qualify.
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Midlothian Down Payment Assistance: 2026 Programs and Limits
Think plant and mill pay puts you over? Ellis County limits may reach ~$181,650, and overtime is averaged over two years. See where you land.
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Plano Down Payment Assistance
Down payment assistance in Plano, TX may cover up to ~5% of your loan through TSAHC and TDHCA. See 2026 Collin County income limits and how you qualify.
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Prosper Down Payment Assistance: 2026 Limits and What Actually Fits
An honest look at Prosper: most listings sit above the price cap, but some do not, and Prosper ISD staff have their own track. See what may still work.
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Rockwall Down Payment Assistance: 2026 Programs and Limits
In Rockwall the obstacle is usually cash at closing, not income. Limits may reach ~$181,650. See what you may qualify for before you write your next offer.
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Rowlett Down Payment Assistance: 2026 Guide for Buyers
Rowlett buyers may get up to ~5% of the loan toward down payment and closing costs. Dallas and Rockwall County sides carry the same limits. See what fits you.
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Sherman & Denison Down Payment Assistance: 2026 Guide
Sherman and Denison buyers may get up to ~5% of the loan for down payment help through Texas TSAHC and TDHCA programs. See what you qualify for.
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Waxahachie Down Payment Assistance: 2026 Programs and Limits
Love a historic Waxahachie house? Assistance works on older homes, and Ellis County limits may reach ~$181,650. See which programs may fit your purchase.
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Weatherford Down Payment Assistance: 2026 Guide for Parker County
Want acreage in Parker County? USDA may finance 100% outside the city, and assistance may cover closing costs. See what fits your land and your income.
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Wichita Falls Down Payment Assistance: 2026 Guide
Wichita Falls buyers may get up to ~5% of the loan for down payment and closing costs through Texas TSAHC and TDHCA programs. See what you qualify for.
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Wylie Down Payment Assistance: 2026 Guide for Collin County Buyers
Collin County being expensive does not disqualify you. Wylie limits may reach ~$181,650, and teachers and first responders have their own track. See your fit.
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School Districts in North Texas
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Arlington ISD
Arlington ISD teachers, aides, counselors, and staff may have more home-buying help than they realize. 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 Tarrant County is about $187,510.
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Garland ISD
Garland ISD teachers and staff in northeast Dallas County may have more help available than they realize. 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 Dallas County is about $205,870.
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Irving ISD
Irving ISD teachers, aides, and staff in the heart of DFW may have more home-buying help 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 Dallas County is about $205,870.
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Lewisville ISD (LISD)
Lewisville ISD educators across south Denton County and the DFW metro may qualify for real home-buying help. 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 Denton County is about $205,870.
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Mansfield ISD
Mansfield ISD educators on the southeast edge of DFW may qualify for meaningful down payment help. 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 Tarrant County is about $187,510.
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McKinney ISD
McKinney ISD educators in fast-growing Collin County 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 Collin County is about $205,870.
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Mesquite ISD
Mesquite ISD teachers and staff in eastern Dallas County may qualify for real down payment help. 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 Dallas County is about $205,870.
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Plano ISD
Plano ISD educators in Collin County may qualify for meaningful down payment help, even in one of DFW's pricier markets. 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 Collin County is about $205,870.
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North Texas — anchored by the Dallas–Fort Worth metroplex — covers a 16-county region that includes Dallas, Tarrant, Collin, and Denton counties. Texas homebuyers in North Texas may qualify for several state-level down payment assistance programs.
What Buyers Should Know
North Texas — anchored by the Dallas–Fort Worth metroplex — covers a 16-county region that includes Dallas, Tarrant, Collin, and Denton counties. Texas homebuyers in North Texas may qualify for several state-level down payment assistance programs. Buyers in this region may qualify for TSAHC Home Sweet Texas Home (grant or forgivable second lien up to 5% of the loan amount), TSAHC Homes for Texas Heroes (for teachers, police, firefighters, EMS, corrections officers, veterans, and other public-service occupations), TDHCA My First Texas Home and My Choice Texas Home, plus the MCC tax credit for first-time buyers with eligible income. Each program has its own income limits, FICO floor (most start at 620), and purchase price caps that vary by county. Eligible buyers may pair one DPA program with the MCC for additional first-time-buyer benefit.
DFW market context
North Texas centers on the Dallas-Fort Worth-Arlington metro, the largest metropolitan area in Texas by population. For 2026, the Home Sweet Texas income limit from TSAHC is $181,650 in Dallas, Collin, and Denton counties and $165,450 in Tarrant County, at any household size. TDHCA‘s My First Texas Home limit for a household of 1-2 people is $121,100 in the Dallas area and $110,300 in the Fort Worth area. The 2026 FHA loan limit for a one-unit home is $563,500 across the DFW metro, according to HUD. Property taxes are a meaningful part of the monthly payment in most DFW counties, so they factor into how much house you can qualify for.
Counties Covered
This region includes 11 Texas counties with active ShopDPA coverage. Select a county to view its 2026 program income limits, FHA loan limits, property tax rates, and the cities, school districts, and military bases within it:
- Collin County
- Dallas County
- Denton County
- Ellis County
- Hunt County
- Johnson County
- Kaufman County
- Parker County
- Rockwall County
- Tarrant County
- Wichita County
See If You May Qualify
The fastest way to find out which Texas down payment assistance programs you may qualify for is the quick eligibility check on our homepage. The check runs in under a minute and walks through TSAHC, TDHCA, and MCC eligibility based on your income, credit, and first-time-buyer status.
Program details and dollar amounts can change, so always verify directly with the program administrator (TSAHC, TDHCA, HUD) before making a home-purchase decision.
Find Your Texas Down Payment Assistance.
We will show you which Texas state programs (TSAHC, TDHCA, and the federal MCC tax credit) fit your situation, then introduce you to a Texas-licensed mortgage professional in our partner network who closes these programs every month.