Texas Region
West Texas Down Payment Assistance: 2026 Programs by County
West Texas covers the Permian Basin and the high plains — including Tom Green, Taylor, Midland, Ector, Lubbock, and Potter counties. Down payment assistance through TSAHC and TDHCA may help eligible buyers across the region, often with no first-time-buyer requirement.
Counties in West Texas
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Ector County Down Payment Assistance 2026: TSAHC + TDHCA + MCC
Ector County and Odessa offer some of the most attainable home prices in Texas, and assistance makes the math easier still. Eligible buyers may qualify for TSAHC or TDHCA down payment help plus the MCC tax credit, often closing with little cash out of pocket. TSAHC's 2026 limits in Ector County may reach about $154,102 for Home Sweet Texas and $174,649 for Homes for Texas Heroes, at any household size.
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El Paso County
El Paso County anchors far West Texas with some of the state's most affordable homes, and there's more help available than many buyers realize. You may qualify for TSAHC or TDHCA down payment assistance and the MCC tax credit; within the city, El Paso's own homebuyer program is worth knowing about. Worth a quick check before you assume you can't. TSAHC's 2026 limits in El Paso County may reach about $152,250 for Home Sweet Texas and $172,550 for Homes for Texas Heroes, at any household size.
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Lubbock County
Lubbock County and the South Plains offer some of the most affordable homes in Texas, and assistance makes buying easier still. Eligible buyers may qualify for TSAHC or TDHCA down payment help plus the MCC tax credit, often closing with little cash out of pocket. TSAHC's 2026 limits in Lubbock County may reach about $155,122 for Home Sweet Texas and $175,805 for Homes for Texas Heroes, at any household size.
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Midland County Down Payment Assistance 2026: TSAHC + TDHCA + MCC
Midland County sits at the center of the Permian Basin, where strong wages meet attainable prices. Eligible buyers may qualify for TSAHC or TDHCA down payment help and the MCC tax credit, and the income limits are set higher than most assume. TSAHC's 2026 limits in Midland County may reach about $163,350 for Home Sweet Texas and $185,130 for Homes for Texas Heroes, at any household size.
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Potter County Down Payment Assistance 2026: TSAHC + TDHCA + MCC
Potter County and northern Amarillo sit at the top of the Texas Panhandle, where home prices stay refreshingly attainable. Eligible buyers may qualify for TSAHC or TDHCA down payment help plus the MCC tax credit, often closing with little cash down. TSAHC's 2026 limits in Potter County may reach about $154,702 for Home Sweet Texas and $175,329 for Homes for Texas Heroes, at any household size.
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Randall County Down Payment Assistance 2026: TSAHC + TDHCA + MCC
Randall County covers Canyon and the south side of Amarillo, a steady, affordable corner of the Panhandle. 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 Randall County may reach about $154,702 for Home Sweet Texas and $175,329 for Homes for Texas Heroes, at any household size.
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Taylor County Down Payment Assistance 2026: TSAHC + TDHCA + MCC
Taylor County and Abilene offer West-Central Texas affordability that goes a long way, especially with a little help. Eligible buyers may qualify for TSAHC or TDHCA down payment assistance and the MCC tax credit, often closing with little cash down. TSAHC's 2026 limits in Taylor County may reach about $154,372 for Home Sweet Texas and $174,955 for Homes for Texas Heroes, at any household size.
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Tom Green County Down Payment Assistance 2026: TSAHC + TDHCA + MCC
Tom Green County and San Angelo blend Concho Valley character with some of the more attainable prices in West Texas. Eligible buyers may qualify for TSAHC or TDHCA down payment help plus the MCC tax credit, with income limits higher than most expect. TSAHC's 2026 limits in Tom Green County may reach about $155,032 for Home Sweet Texas and $175,703 for Homes for Texas Heroes, at any household size.
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Cities in West Texas
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Amarillo Down Payment Assistance: 2026 Programs & Income Limits
Down payment assistance for Amarillo, TX, one of the most affordable cities in Texas. TSAHC and TDHCA up to ~5% down. See if you qualify.
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Down Payment Assistance in Abilene, TX
Buying in Abilene, TX or stationed at Dyess? See how you may get up to ~5% toward a down payment plus the VA path, and the 2026 limits.
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Down Payment Assistance in Midland, TX
Think your oilfield income is too high in Midland, TX? See the higher 2026 limits and how you may get up to ~5% toward a down payment.
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Down Payment Assistance in Odessa, TX
Buying in Odessa, TX? See how you may get up to ~5% toward a down payment, the 2026 Ector County limits, and how you can qualify.
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El Paso Down Payment Assistance: 2026 Programs & Income Limits
Down payment and first-time home buyer help in El Paso, TX. TSAHC and TDHCA may put up to ~5% toward your down payment. See if you qualify.
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Lubbock Down Payment Assistance: 2026 Programs & Income Limits
Down payment and first-time home buyer help in Lubbock, TX. TSAHC and TDHCA may put up to ~5% toward your down payment. See if you qualify.
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San Angelo Down Payment Assistance: 2026 Guide
San Angelo buyers may get up to ~5% of the loan toward down payment and closing costs via Texas TSAHC and TDHCA programs. See what fits your budget.
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West Texas spans El Paso on the Mexican border through Lubbock and the South Plains. The region is home to Fort Bliss (one of the Army’s largest installations) and Texas Tech University in Lubbock.
What Buyers Should Know
West Texas spans El Paso on the Mexican border through Lubbock and the South Plains. The region is home to Fort Bliss (one of the Army’s largest installations) and Texas Tech University in Lubbock. 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.
West Texas market context
West Texas covers a large geographic area with several distinct markets, including El Paso, Lubbock, and Midland-Odessa. For 2026, the Home Sweet Texas income limit from TSAHC is $152,250 in El Paso County, $155,122 in Lubbock County, and $163,350 in Midland County, at any household size. The 2026 FHA loan limit for a one-unit home in El Paso and Lubbock counties is the national floor of $541,287, according to HUD. Veterans near Fort Bliss may pair a VA loan with TSAHC’s Homes for Texas Heroes assistance, which allows incomes up to $172,550 in El Paso County.
Counties Covered
This region includes 8 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:
- Ector County
- El Paso County
- Lubbock County
- Midland County
- Potter County
- Randall County
- Taylor County
- Tom Green 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.