West Texas

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.

Quick Facts

  • County seat Abilene
  • Region West Texas
  • Population 145,000
  • Home Sweet Texas income limit (non-targeted) ~$154,372
  • FHA loan limit $541,287 Source: hud.gov
  • FIPS code 48441

Taylor County (county seat: Abilene) sits in Texas with a 2024 population of approximately 145,000.

What Buyers Should Know

Texas homebuyers in Taylor 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 $154,372 and Homes for Texas Heroes up to about $174,955, 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.

Taylor County Market Context

Abilene MSA anchor. Dyess AFB military community. Hardin-Simmons + Abilene Christian + McMurry.

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

Taylor 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 ~$154,372 (any household size) bond DPA or MCC only: up to ~$566,354
Homes for Texas Heroes (TSAHC) up to ~$174,955 (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 ~$156,570 (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 — Taylor 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 Taylor County Down Payment Assistance 2026: TSAHC + TDHCA + MCC

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

School District pillars for this county are coming soon.

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