Our story
We're here to make Texas homebuying simpler.
We figure out which Texas down payment programs you qualify for. You focus on actually buying the house.
Takes under 60 seconds No commitments No credit impact
Texas DPA at a glance
Texas Down Payment Assistance, By The Numbers.
More than 15,000 Texas families used down payment assistance to buy a home in the past year alone. You may qualify for the same programs — we’ll show you what options may fit your situation.
Many buyers don’t realize they qualify until they check.
Sources: TSAHC 2025 calendar year; TDHCA FY 2024 (2025 State of Texas Low Income Housing Plan, Table 9 + Total Funding chart, p. 58). Verified May 5, 2026.
Why ShopDPA
Why Texas Buyers Choose ShopDPA.
Built around the three things Texas buyers tell us they want when navigating down payment assistance: a tailored set of options, a Texas-licensed mortgage professional who actually closes these programs, and clear answers on the parts that trip people up.
Tailored To Texas
We follow TSAHC, TDHCA, and the federal MCC tax credit closely, so you don’t have to keep up with the changing rules and funding cycles. When you take the quiz, we line up the programs that actually fit your county, income, and situation.
Vetted Texas Partner Network
We connect you with a Texas-licensed mortgage professional who closes TSAHC and TDHCA every month, not a generic referral or a cold call from a lead farm.
Honest On The Math
We walk you through the trickier parts step-by-step, including recapture rules, AMI ceilings, MCC limits, and what the down payment help actually covers, so you know what to expect before the call.
What ShopDPA does for Texas buyers
Texas hands out hundreds of millions of dollars in down payment help every year through state agencies like TSAHC and TDHCA. Most first-time buyers in Texas have no idea those programs exist — or they assume they don’t qualify. The truth is, with a 620 credit score and an income under your county’s ceiling, you probably qualify for at least one. Often more.
Tell us a few things about your situation in our short form, and we’ll show you exactly which Texas programs your income, credit, county, and occupation qualify you for — then introduce you to a Texas loan officer in our partner network who closes those programs every month.
Texas veterans, we got you
Texas veterans are a big part of who we help every month. If you’re a vet (active duty, reserves, or honorable discharge), you can use a VA loan with $0 down, no monthly mortgage insurance, and a waived funding fee at 10%+ disability. Pair that with a Texas DPA program for closing costs and you’re close to walking in the door with no money out of pocket. We connect Texas vets with loan officers who run VA loans every week.
Straightforward answers without sales pressure or hidden fees.
ShopDPA never charges you, ever. The lenders we partner with pay us when one of their loan officers closes your loan — not the other way around. You will never get a bill from us. We don’t up-sell, push you toward a specific lender against your interest, or charge consultation fees. Our job is to make this simple.
How we keep our info accurate
Every program detail, dollar amount, and rule on this site is verified against the agency that runs the program (TSAHC, TDHCA, HUD, IRS, VA, the Texas Veterans Land Board, county housing departments). Every program page carries a “Last verified” badge so you know when we last checked. Our content is reviewed by Byron Davis, a senior loan officer with 26+ years of mortgage experience (NMLS #621780, currently at PRMI #3094). He has originated mortgages at Goldman Sachs, Bank of America, and MGIC. If anything on this site is wrong, it’s our fault — not Byron’s.
Built for Texas first
We focus on Texas because Texas has some of the most generous (and most under-used) down payment programs in the country. We cover the two state-level Texas DPA agencies (TSAHC and TDHCA) plus the federal MCC tax credit, FHA, VA, USDA, and conventional loans. Our partner loan officers are licensed across multiple states, so we can help vets and first-time buyers beyond Texas too — but Texas is where we go deepest.
The process
From A Short Form To Closing Day.
A four-step path Texas buyers take with ShopDPA. We show you the programs that fit your situation, then introduce you to a Texas-licensed mortgage professional who closes them every month.
Answer a few quick questions
Tell us a bit about your county, income, and situation.
See your options
We line up the Texas state programs (TSAHC and TDHCA) and the federal MCC tax credit that fit what you shared.
Meet your Texas loan officer
A licensed mortgage professional in our Texas partner network reaches out to walk you through what your options actually look like.
Close on your home
Your loan officer and lender handle pre-approval, paperwork, and closing. The down payment help layers in along the way, so you walk to the closing table with the keys in reach.
ShopDPA is a Texas down payment assistance referral service. We connect Texas buyers with licensed mortgage professionals in our partner network. We are not a mortgage broker, lender, or loan officer, and we do not originate, fund, or service loans.