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
-
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.
View -
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.
View -
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.
View -
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.
View -
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.
View -
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.
View -
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.
View -
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.
View
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 two major markets — El Paso and Lubbock. The 2026 HUD Area Median Income for El Paso is $62,300 for a four-person household (the lowest among major Texas MSAs), and Lubbock sits at $79,600. FHA loan limits across West Texas sit at the statewide floor of $524,225. El Paso buyers near Fort Bliss often pair VA loans with TSAHC Heroes DPA, and Lubbock buyers in the Texas Tech footprint may qualify for both TSAHC Home Sweet Texas Home and TDHCA programs.
Counties Covered
This region includes 8 Texas counties with active ShopDPA coverage. Select a county to view its 2026 AMI tables, 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.
Last verified: 2026-05-19. Program details and dollar amounts are current as of the date stamped above; always verify directly with the program administrator (TSAHC, TDHCA, HUD) before making a home-purchase decision.