North Texas
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.
Quick Facts
- County seat Wichita Falls
- Region North Texas
- Population 130,000
- Home Sweet Texas income limit (non-targeted) ~$154,642
- FHA loan limit $541,287 Source: hud.gov
- FIPS code 48485
Wichita County (county seat: Wichita Falls) sits in Texas with a 2024 population of approximately 130,000.
What Buyers Should Know
Texas homebuyers in Wichita County may qualify for several state-level down payment assistance programs. According to TSAHC’s county income limits, Home Sweet Texas may allow household income up to about $154,642 and Homes for Texas Heroes up to about $175,261, at any household size. TDHCA’s My First Texas Home and My Choice Texas Home have their own limits, shown in the table below. TSAHC’s assistance is a percentage of the loan amount, up to 5% depending on which options TSAHC is offering that day, and first-time buyers may also be able to add a Mortgage Credit Certificate (MCC). Most of these programs start at a 620 credit score; TSAHC’s conventional options need 640.
Wichita County Market Context
Wichita Falls MSA anchor. Sheppard AFB military community. Midwestern State University.
Income limits from TSAHC and TDHCA, FHA loan limits from hud.gov, conforming limits from fhfa.gov. Always verify directly with TSAHC and TDHCA before applying.
Income Limits
Wichita County Down Payment Assistance 2026: TSAHC + TDHCA + MCC Down Payment Assistance Income Limits
| Program | Max household income (non-targeted) | Max purchase price |
|---|---|---|
| Home Sweet Texas (TSAHC) | up to ~$154,642 (any household size) | bond DPA or MCC only: up to ~$566,354 |
| Homes for Texas Heroes (TSAHC) | up to ~$175,261 (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 ~$155,040 (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 — Wichita County Down Payment Assistance 2026: TSAHC + TDHCA + MCC
VA
VA loans are uncapped above conforming limits for full-entitlement veterans.
Cities in Wichita County Down Payment Assistance 2026: TSAHC + TDHCA + MCC
School Districts in Wichita County Down Payment Assistance 2026: TSAHC + TDHCA + MCC
School District pillars for this county are coming soon.
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