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.

Quick Facts

  • County seat Odessa
  • Region West Texas
  • Population 165,000
  • Home Sweet Texas income limit (non-targeted) ~$154,102
  • 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.

What Buyers Should Know

Texas homebuyers in Ector 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 $154,102 and Homes for Texas Heroes up to about $174,649, 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.

Ector County Market Context

Permian Basin oil + gas hub; Odessa is the county seat. UTPB anchor.

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

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 (TSAHC) up to ~$154,102 (any household size) bond DPA or MCC only: up to ~$566,354
Homes for Texas Heroes (TSAHC) up to ~$174,649 (any household size) bond DPA or MCC only: up to ~$566,354
My First Texas Home (TDHCA) up to ~$101,500 (1–2 persons) / ~$116,725 (3+) up to ~$566,354
My Choice Texas Home (TDHCA) up to ~$154,870 (conventional) / ~$172,550 (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 — Ector County Down Payment Assistance 2026: TSAHC + TDHCA + MCC

FHA (2026)

1-unit
$541,287
2-unit
$693,050
3-unit
$837,700
4-unit
$1,041,125
Source: hud.gov

Conforming (2026)

1-unit
$832,750
Source: fhfa.gov

VA

VA loans are uncapped above conforming limits for full-entitlement veterans.

Cities in Ector County Down Payment Assistance 2026: TSAHC + TDHCA + MCC

School Districts in Ector County Down Payment Assistance 2026: TSAHC + TDHCA + MCC

School District pillars for this county are coming soon.

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