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.
Quick Facts
- County seat Odessa
- Region West Texas
- Population 165,000
- TSAHC income limit (non-targeted) ~$123,500
- FHA loan limit $541,287 Source: hud.gov
- FIPS code 48135
Ector County (county seat: Odessa) sits in Texas with a 2024 population of approximately 165,000. The county falls within the Odessa, TX HUD Metro FMR Area for HUD Area Median Income (AMI) tables and FHA loan limits.
What Buyers Should Know
Texas homebuyers in Ector County may qualify for several state-level down payment assistance programs. TSAHC’s Home Sweet Texas Home Loan Program offers grant or forgivable-second-lien DPA up to approximately 5% of the loan amount, with income limits up to 80% of county AMI ($78,200/year for a four-person household in Ector County). TSAHC’s Homes for Texas Heroes program waives the first-time-buyer requirement for teachers, police officers, firefighters, EMS personnel, corrections officers, school staff, and other public-service occupations, with income up to 115% of county AMI ($112,355/year for a four-person household). TDHCA’s My First Texas Home and My Choice Texas Home programs offer alternative DPA structures with their own income and credit requirements. Eligible buyers may pair one of these DPA programs with the federal MCC tax credit for additional first-time-buyer benefit. Every program requires a minimum 620 FICO score with most lenders.
Ector County Market Context
Permian Basin oil + gas hub; Odessa is the county seat. UTPB anchor.
Last verified: 2026-05-19. AMI tables from huduser.gov, FHA loan limits from hud.gov, conforming limits from fhfa.gov. Always verify directly with TSAHC and TDHCA before applying.
Income Limits
Ector 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 / Homes for Texas Heroes (TSAHC) | up to ~$123,500 (any household size) | up to ~$544,232 |
| My First Texas Home (TDHCA) | up to ~$98,800 (1–2 persons) / ~$113,620 (3+) | up to ~$544,232 |
| My Choice Texas Home (TDHCA) | up to ~$154,190 (conventional) / ~$167,960 (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 applies a single income limit at any household size. 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 — confirm your county's current figure with a participating lender before applying. | ||
Source: TSAHC Income & Purchase Price Limits + TDHCA Income & Purchase Price Limits
Loan Limits — Ector County Down Payment Assistance 2026: TSAHC + TDHCA + MCC
VA
VA loans are uncapped above conforming limits for full-entitlement veterans.
Cities in Ector County Down Payment Assistance 2026: TSAHC + TDHCA + MCC
City pillars for this county are coming soon.
School Districts in Ector County Down Payment Assistance 2026: TSAHC + TDHCA + MCC
School District pillars for this county are coming soon.