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.
Quick Facts
- County seat Bandera
- Region Central Texas
- Population 25,000
- Home Sweet Texas income limit (non-targeted) ~$157,358
- FHA loan limit $557,750 Source: hud.gov
- FIPS code 48019
Bandera County (county seat: Bandera) sits in Texas with a 2024 population of approximately 25,000.
What Buyers Should Know
Texas homebuyers in Bandera 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 $157,358 and Homes for Texas Heroes up to about $178,339, 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.
Bandera County Market Context
Hill Country / NW San Antonio satellite. Bandera (county seat) + Pipe Creek. Equestrian + ranching.
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
Bandera 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 ~$157,358 (any household size) | bond DPA or MCC only: up to ~$583,580 |
| Homes for Texas Heroes (TSAHC) | up to ~$178,339 (any household size) | bond DPA or MCC only: up to ~$583,580 |
| My First Texas Home (TDHCA) | up to ~$104,725 (1–2 persons) / ~$120,434 (3+) | up to ~$583,580 |
| My Choice Texas Home (TDHCA) | up to ~$172,720 (conventional) / ~$178,033 (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 — Bandera County Down Payment Assistance 2026: TSAHC + TDHCA + MCC
VA
VA loans are uncapped above conforming limits for full-entitlement veterans.
Cities in Bandera County Down Payment Assistance 2026: TSAHC + TDHCA + MCC
City pillars for this county are coming soon.
School Districts in Bandera County Down Payment Assistance 2026: TSAHC + TDHCA + MCC
School District pillars for this county are coming soon.
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