North Texas
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.
Quick Facts
- County seat Waxahachie
- Region North Texas
- Population 220,000
- Home Sweet Texas income limit (non-targeted) ~$181,650
- FHA loan limit $563,500 Source: hud.gov
- FIPS code 48139
Ellis County (county seat: Waxahachie) sits in Texas with a 2024 population of approximately 220,000.
What Buyers Should Know
Texas homebuyers in Ellis 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 $181,650 and Homes for Texas Heroes up to about $205,870, 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.
Ellis County Market Context
South DFW satellite. Waxahachie + Midlothian + Ennis core. Fast-growing exurb. FHA loan limit at DFW high-cost tier.
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
Ellis 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 ~$181,650 (any household size) | bond DPA or MCC only: up to ~$589,596 |
| Homes for Texas Heroes (TSAHC) | up to ~$205,870 (any household size) | bond DPA or MCC only: up to ~$589,596 |
| My First Texas Home (TDHCA) | up to ~$121,100 (1–2 persons) / ~$139,265 (3+) | up to ~$589,596 |
| My Choice Texas Home (TDHCA) | up to ~$199,750 (conventional) / ~$205,870 (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 — Ellis County Down Payment Assistance 2026: TSAHC + TDHCA + MCC
VA
VA loans are uncapped above conforming limits for full-entitlement veterans.
Cities in Ellis County Down Payment Assistance 2026: TSAHC + TDHCA + MCC
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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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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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School Districts in Ellis County Down Payment Assistance 2026: TSAHC + TDHCA + MCC
School District pillars for this county are coming soon.
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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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