Central Texas
Bastrop County Down Payment Assistance 2026: TSAHC + TDHCA + MCC
Bastrop County buyers, right in the path of Austin's growth, may have real help waiting on the down payment. If your income fits the limit, TSAHC and TDHCA may put thousands toward your down payment and closing costs, and an MCC tax credit may keep paying you back each year you own the home. TSAHC's 2026 limits in Bastrop County may reach about $201,600 for Home Sweet Texas and $228,480 for Homes for Texas Heroes, at any household size.
Quick Facts
- County seat Bastrop
- Region Central Texas
- Population 105,000
- Home Sweet Texas income limit (non-targeted) ~$201,600
- FHA loan limit $571,550 Source: hud.gov
- FIPS code 48021
Bastrop County (county seat: Bastrop) sits in Texas with a 2024 population of approximately 105,000.
What Buyers Should Know
Texas homebuyers in Bastrop 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 $201,600 and Homes for Texas Heroes up to about $228,480, 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.
Bastrop County Market Context
East Austin satellite. Bastrop + Smithville + Elgin core. Tesla Gigafactory nearby.
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
Bastrop 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 ~$201,600 (any household size) | bond DPA or MCC only: up to ~$598,019 |
| Homes for Texas Heroes (TSAHC) | up to ~$228,480 (any household size) | bond DPA or MCC only: up to ~$598,019 |
| My First Texas Home (TDHCA) | up to ~$134,400 (1–2 persons) / ~$154,560 (3+) | up to ~$598,019 |
| My Choice Texas Home (TDHCA) | up to ~$228,480 (conventional) / ~$228,480 (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 — Bastrop County Down Payment Assistance 2026: TSAHC + TDHCA + MCC
VA
VA loans are uncapped above conforming limits for full-entitlement veterans.
Cities in Bastrop County Down Payment Assistance 2026: TSAHC + TDHCA + MCC
City pillars for this county are coming soon.
School Districts in Bastrop County Down Payment Assistance 2026: TSAHC + TDHCA + MCC
School District pillars for this county are coming soon.
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