North Texas
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.
Quick Facts
- County seat Rockwall
- Region North Texas
- Population 130,000
- TSAHC income limit (non-targeted) ~$146,625
- FHA loan limit $563,500 Source: hud.gov
- FIPS code 48397
Rockwall County (county seat: Rockwall) sits in Texas with a 2024 population of approximately 130,000. The county falls within the Dallas-Plano-Irving, TX HUD Metro FMR Area for HUD Area Median Income (AMI) tables and FHA loan limits.
What Buyers Should Know
Texas homebuyers in Rockwall 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 ($91,600/year for a four-person household in Rockwall 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 ($131,675/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.
Rockwall County Market Context
Northeast DFW satellite. Rockwall + Heath + Royse City core. Texas’s smallest county by area, highest median income.
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
Rockwall 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 ~$146,625 (any household size) | up to ~$585,006 |
| My First Texas Home (TDHCA) | up to ~$117,300 (1–2 persons) / ~$134,895 (3+) | up to ~$585,006 |
| My Choice Texas Home (TDHCA) | up to ~$192,950 (conventional) / ~$199,410 (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 — Rockwall County Down Payment Assistance 2026: TSAHC + TDHCA + MCC
VA
VA loans are uncapped above conforming limits for full-entitlement veterans.
Cities in Rockwall County Down Payment Assistance 2026: TSAHC + TDHCA + MCC
City pillars for this county are coming soon.
School Districts in Rockwall County Down Payment Assistance 2026: TSAHC + TDHCA + MCC
School District pillars for this county are coming soon.