Texas Counties
Texas Down Payment Assistance by County
Down payment assistance in Texas runs at the state level through TSAHC and TDHCA, so buyers in nearly any county may qualify. Choose your county below to see the income limits, FHA and conforming loan limits, and the cities, school districts, and military bases inside it.
North Texas
-
Collin County
Collin County (McKinney, Plano, Frisco, and the booming north side of DFW) runs pricey, but the assistance income limits are higher here than buyers expect. You may qualify for TSAHC or TDHCA down payment help and the MCC tax credit even on a comfortable household income, so it's worth checking before you count yourself out. TSAHC's 2026 limits in Collin County may reach about $181,650 for Home Sweet Texas and $205,870 for Homes for Texas Heroes, at any household size.
View -
Dallas County
A lot of Dallas County buyers count themselves out before they ever check. Don't. Eligible buyers may qualify for TSAHC or TDHCA down payment assistance and the federal MCC tax credit, and within Dallas city limits the City's Mortgage Assistance Program is worth a look. The income limits run higher than most people guess. TSAHC's 2026 limits in Dallas County may reach about $181,650 for Home Sweet Texas and $205,870 for Homes for Texas Heroes, at any household size.
View -
Denton County
From the city of Denton to fast-growing Little Elm, Denton County is one of DFW's hottest markets, and Texas down payment assistance can help you compete. Eligible buyers may pair TSAHC or TDHCA help with the federal MCC tax credit, even at incomes well into six figures. TSAHC's 2026 limits in Denton County may reach about $181,650 for Home Sweet Texas and $205,870 for Homes for Texas Heroes, at any household size.
View -
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.
View -
Hunt County Down Payment Assistance 2026: TSAHC + TDHCA + MCC
Just northeast of the Metroplex, Hunt County and Greenville give DFW commuters more home for the money. Eligible buyers may qualify for TSAHC or TDHCA down payment assistance and the federal MCC tax credit, with income limits higher than most expect. TSAHC's 2026 limits in Hunt County may reach about $181,650 for Home Sweet Texas and $205,870 for Homes for Texas Heroes, at any household size.
View -
Johnson County Down Payment Assistance 2026: TSAHC + TDHCA + MCC
South of Fort Worth, Johnson County and Cleburne give buyers a small-town feel within reach of DFW jobs. If your income fits the limit, TSAHC or TDHCA may put real money toward your down payment and closing costs, with an MCC tax credit on top. TSAHC's 2026 limits in Johnson County may reach about $165,450 for Home Sweet Texas and $187,510 for Homes for Texas Heroes, at any household size.
View -
Kaufman County Down Payment Assistance 2026: TSAHC + TDHCA + MCC
Kaufman County, on the fast-growing east side of DFW around Forney and Terrell, is drawing families priced out closer in. Eligible buyers may qualify for TSAHC or TDHCA down payment help and the federal MCC tax credit, with income limits set higher than most assume. TSAHC's 2026 limits in Kaufman County may reach about $181,650 for Home Sweet Texas and $205,870 for Homes for Texas Heroes, at any household size.
View -
Parker County Down Payment Assistance 2026: TSAHC + TDHCA + MCC
West of Fort Worth, Parker County and Weatherford offer space and a small-town pace within reach of DFW jobs. Eligible buyers may qualify for TSAHC or TDHCA down payment assistance and the federal MCC tax credit, with income limits set higher than most expect. TSAHC's 2026 limits in Parker County may reach about $165,450 for Home Sweet Texas and $187,510 for Homes for Texas Heroes, at any household size.
View -
Rockwall County Down Payment Assistance 2026: TSAHC + TDHCA + MCC
Rockwall County, on the shores of Lake Ray Hubbard east of Dallas, packs a lot of appeal into Texas's smallest county. Eligible buyers may qualify for TSAHC or TDHCA down payment help and the federal MCC tax credit, with income limits set higher than most assume. TSAHC's 2026 limits in Rockwall County may reach about $181,650 for Home Sweet Texas and $205,870 for Homes for Texas Heroes, at any household size.
View -
Tarrant County
Tarrant County is Fort Worth and the western half of DFW, and the cash up front is what stops most would-be buyers, not the payment. Eligible buyers may shrink it with TSAHC or TDHCA down payment assistance and the federal MCC tax credit; within Fort Worth city limits, the City's Homebuyer Assistance Program is worth a look. The income limits run higher than people guess. TSAHC's 2026 limits in Tarrant County may reach about $165,450 for Home Sweet Texas and $187,510 for Homes for Texas Heroes, at any household size.
View -
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.
View
Central Texas
-
Bandera County Down Payment Assistance 2026: TSAHC + TDHCA + MCC
If you're buying in Bandera County, in the Hill Country northwest of San Antonio, you may qualify for more down payment help than you expect. Eligible buyers may tap Texas assistance through TSAHC or TDHCA plus the federal MCC tax credit, and the income limits reach comfortably into six figures. TSAHC's 2026 limits in Bandera County may reach about $157,358 for Home Sweet Texas and $178,339 for Homes for Texas Heroes, at any household size.
View -
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.
View -
Bell County
In Bell County (home to Fort Cavazos and the Killeen-Temple area), you don't have to buy with cash alone. Eligible buyers may qualify for TSAHC or TDHCA down payment assistance and the MCC tax credit, and veterans and service members may add a VA loan with zero down. TSAHC's 2026 limits in Bell County may reach about $153,180 for Home Sweet Texas and $173,604 for Homes for Texas Heroes, at any household size.
View -
Bexar County
Across Bexar County and San Antonio, the hardest part of buying is usually the cash up front, not the monthly payment. Eligible buyers may shrink it with TSAHC or TDHCA down payment assistance and the federal MCC tax credit; within city limits, San Antonio's HIP program is worth knowing about too. The income limits surprise a lot of people. TSAHC's 2026 limits in Bexar County may reach about $157,358 for Home Sweet Texas and $178,339 for Homes for Texas Heroes, at any household size.
View -
Brazos County
In Brazos County (Bryan, College Station, and Texas A&M country), plenty of first-time buyers assume they'll keep renting. You may not have to. If your income fits the limit, TSAHC and TDHCA may cover much of your down payment and closing costs, with an MCC tax credit on top. TSAHC's 2026 limits in Brazos County may reach about $152,812 for Home Sweet Texas and $173,187 for Homes for Texas Heroes, at any household size.
View -
Cameron County
Cameron County, in the Rio Grande Valley, is one of the most affordable places to buy in Texas, and assistance stretches your dollars even further. Eligible Brownsville-area buyers may qualify for TSAHC or TDHCA down payment help plus the MCC tax credit, often reaching closing with very little out of pocket. TSAHC's 2026 limits in Cameron County may reach about $152,250 for Home Sweet Texas and $172,550 for Homes for Texas Heroes, at any household size.
View -
Comal County
Between San Antonio and Austin, Comal County and New Braunfels are growing fast, and the up-front cash is what stops most would-be buyers. If your income fits the limit, TSAHC or TDHCA may put real money toward your down payment and closing costs, with an MCC tax credit that first-time buyers may claim year after year. TSAHC's 2026 limits in Comal County may reach about $157,358 for Home Sweet Texas and $178,339 for Homes for Texas Heroes, at any household size.
View -
Guadalupe County
Guadalupe County (Seguin, Schertz, Cibolo) sits on San Antonio's growing northeast edge, popular with families and military buyers alike. If your income fits the limit, TSAHC or TDHCA may put thousands toward your down payment and closing costs, with an MCC tax credit on top. TSAHC's 2026 limits in Guadalupe County may reach about $157,358 for Home Sweet Texas and $178,339 for Homes for Texas Heroes, at any household size.
View -
Hays County
Hays County (San Marcos, Kyle, Buda) is one of the fastest-growing corners of the Austin area, and prices show it. The good news: TSAHC and TDHCA may cover much of your down payment and closing costs, and an MCC tax credit may keep paying you back each year you own. TSAHC's 2026 limits in Hays County may reach about $201,600 for Home Sweet Texas and $228,480 for Homes for Texas Heroes, at any household size.
View -
Hidalgo County
Hidalgo County, in the heart of the Rio Grande Valley, is among the most affordable places to buy in Texas, and assistance stretches your budget further still. Eligible McAllen- and Edinburg-area buyers may qualify for TSAHC or TDHCA down payment help plus the MCC tax credit, often closing with very little out of pocket. TSAHC's 2026 limits in Hidalgo County may reach about $152,250 for Home Sweet Texas and $172,550 for Homes for Texas Heroes, at any household size.
View -
Kendall County
Kendall County and Boerne sit in the Hill Country just north of San Antonio, and the assistance income limits here are among the highest in the state. You may qualify for TSAHC or TDHCA down payment help and the MCC tax credit at an income well into six figures, so it's worth checking before you rule it out. TSAHC's 2026 limits in Kendall County may reach about $209,550 for Home Sweet Texas and $237,490 for Homes for Texas Heroes, at any household size.
View -
McLennan County
Anchored by Waco, McLennan County blends affordability with steady Central Texas growth. Eligible buyers may qualify for TSAHC or TDHCA down payment assistance and the federal MCC tax credit, with income limits higher than many first-time buyers expect. TSAHC's 2026 limits in McLennan County may reach about $154,912 for Home Sweet Texas and $175,567 for Homes for Texas Heroes, at any household size.
View -
Nueces County
Nueces County and Corpus Christi pair Gulf-coast living with some of the more attainable prices on the Texas coast. Eligible buyers may qualify for TSAHC or TDHCA down payment help and the MCC tax credit, often reaching closing with little cash out of pocket. TSAHC's 2026 limits in Nueces County may reach about $152,250 for Home Sweet Texas and $172,550 for Homes for Texas Heroes, at any household size.
View -
Travis County
Travis County is Austin, where rising prices make the down payment the hardest part of buying. Eligible buyers may close that gap with TSAHC or TDHCA down payment assistance and the federal MCC tax credit, and within Austin city limits the City's own program is worth knowing about. The income limits here are among the highest in the state. TSAHC's 2026 limits in Travis County may reach about $201,600 for Home Sweet Texas and $228,480 for Homes for Texas Heroes, at any household size.
View -
Webb County
Webb County and Laredo sit on the border with some of the most affordable homes in Texas, and assistance stretches your budget even further. Eligible buyers may qualify for TSAHC or TDHCA down payment help plus the MCC tax credit, often reaching closing with very little out of pocket. TSAHC's 2026 limits in Webb County may reach about $152,250 for Home Sweet Texas and $172,550 for Homes for Texas Heroes, at any household size.
View -
Williamson County
Williamson County (Round Rock, Georgetown, Cedar Park, Leander) is one of the most in-demand parts of the Austin area, and assistance can help you keep up. Eligible buyers may qualify for TSAHC or TDHCA down payment help and the federal MCC tax credit, and the income limits run among the highest in the state. TSAHC's 2026 limits in Williamson County may reach about $201,600 for Home Sweet Texas and $228,480 for Homes for Texas Heroes, at any household size.
View
East Texas
-
Brazoria County
Buyers along the Gulf Coast in Brazoria County may find a home closer than they think with a little help on the up-front cost. Eligible buyers may pair an affordable first mortgage with TSAHC or TDHCA down payment assistance and the MCC tax credit, often covering most of the cash they'd otherwise bring to closing. TSAHC's 2026 limits in Brazoria County may reach about $189,000 for Home Sweet Texas and $214,200 for Homes for Texas Heroes, at any household size.
View -
Fort Bend County
Fort Bend County (Sugar Land, Katy, Richmond, Missouri City) is one of Houston's most sought-after suburbs, and the up-front cash is the usual sticking point. Eligible buyers may qualify for TSAHC or TDHCA down payment assistance and the federal MCC tax credit, with income limits set higher than most families assume. TSAHC's 2026 limits in Fort Bend County may reach about $156,000 for Home Sweet Texas and $176,800 for Homes for Texas Heroes, at any household size.
View -
Galveston County
From Galveston Island to League City and the mainland, Galveston County offers coastal living within reach of Houston jobs. Eligible buyers may pair an affordable first mortgage with TSAHC or TDHCA down payment assistance and the MCC tax credit, often covering most of what they'd bring to closing. TSAHC's 2026 limits in Galveston County may reach about $156,000 for Home Sweet Texas and $176,800 for Homes for Texas Heroes, at any household size.
View -
Harris County
Harris County is the heart of Houston, and the biggest barrier to buying here is almost always the cash up front. Eligible buyers may shrink it with TSAHC or TDHCA down payment assistance and the federal MCC tax credit; inside Houston city limits, the City's Homebuyer Assistance Program is worth knowing about. The income limits reach higher than most buyers expect. TSAHC's 2026 limits in Harris County may reach about $156,000 for Home Sweet Texas and $176,800 for Homes for Texas Heroes, at any household size.
View -
Jefferson County
Jefferson County (Beaumont, Port Arthur, and the Southeast Texas coast) offers some of the most attainable prices in the region, and help is available on the up-front cost. Eligible buyers may qualify for TSAHC or TDHCA down payment assistance and the MCC tax credit, often reaching closing with little cash down. TSAHC's 2026 limits in Jefferson County may reach about $155,692 for Home Sweet Texas and $176,451 for Homes for Texas Heroes, at any household size.
View -
Montgomery County
Montgomery County (Conroe, The Woodlands, Magnolia) anchors Houston's fast-growing north side, and the cash to close is the usual hurdle. Eligible buyers may qualify for TSAHC or TDHCA down payment assistance and the federal MCC tax credit, with income limits higher than most families assume. TSAHC's 2026 limits in Montgomery County may reach about $156,000 for Home Sweet Texas and $176,800 for Homes for Texas Heroes, at any household size.
View -
Smith County
Smith County and Tyler anchor East Texas with rose-city charm and attainable prices. Eligible buyers may qualify for TSAHC or TDHCA down payment assistance and the MCC tax credit, often reaching closing with little out of pocket. TSAHC's 2026 limits in Smith County may reach about $152,812 for Home Sweet Texas and $173,187 for Homes for Texas Heroes, at any household size.
View
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. TSAHC's 2026 limits in Ector County may reach about $154,102 for Home Sweet Texas and $174,649 for Homes for Texas Heroes, at any household size.
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. TSAHC's 2026 limits in El Paso County may reach about $152,250 for Home Sweet Texas and $172,550 for Homes for Texas Heroes, at any household size.
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. TSAHC's 2026 limits in Lubbock County may reach about $155,122 for Home Sweet Texas and $175,805 for Homes for Texas Heroes, at any household size.
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. TSAHC's 2026 limits in Midland County may reach about $163,350 for Home Sweet Texas and $185,130 for Homes for Texas Heroes, at any household size.
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. TSAHC's 2026 limits in Potter County may reach about $154,702 for Home Sweet Texas and $175,329 for Homes for Texas Heroes, at any household size.
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. TSAHC's 2026 limits in Randall County may reach about $154,702 for Home Sweet Texas and $175,329 for Homes for Texas Heroes, at any household size.
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. TSAHC's 2026 limits in Taylor County may reach about $154,372 for Home Sweet Texas and $174,955 for Homes for Texas Heroes, at any household size.
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. TSAHC's 2026 limits in Tom Green County may reach about $155,032 for Home Sweet Texas and $175,703 for Homes for Texas Heroes, at any household size.
View