Texas Home Loan Education
Learn About Texas Home Loans And Down Payment Assistance.
Texas-specific guides to TSAHC, TDHCA, MCC, and every Texas home loan program. Built by Texas mortgage pros, verified against primary sources, and updated every quarter.
Featured Guides
The three guides every Texas buyer should read before applying for DPA.
Texas Home Loans
How the four loan types stack up for Texas buyers, which ones pair with DPA, and how to pick the right fit for your county and credit profile.
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Texas Down Payment Assistance: The Complete 2026 Guide
Every state-level Texas DPA program in one place — TSAHC, TDHCA, MCC. Who qualifies, how much you get, what to watch out for.
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Tools
Plug in your situation. Get a clear picture of what may fit before you ever talk to a lender.
Affordability Calculator
Plug in your income, county, and credit profile. See how much home you may be able to afford across all four loan types.
DPA Eligibility Quiz
A 60-second quiz that walks you through the same questions a Texas-licensed mortgage professional would ask.
TSAHC + TDHCA Income Limits
County-by-county AMI lookup — verify your household income against the program thresholds before you apply.
MCC Tax Credit Guide
How the Mortgage Credit Certificate works, how much you can claim, and the federal tax-liability ceiling that limits the benefit.
Latest Articles
All Texas DPA + home loan content. Use the topic filter above to narrow the list.
Texas Heroes Home Loans
Teachers, police, firefighters, EMS, corrections officers — TSAHC's Homes for Texas Heroes is built specifically for you.
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Texas City Down Payment Assistance: 2026 Guide
Down payment assistance in Texas City, Texas, explained: how TSAHC and TDHCA help with your down payment and closing costs, and how to start.
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Galveston Down Payment Assistance: 2026 Guide
Down payment assistance in Galveston, Texas, explained: how TSAHC and TDHCA help with your down payment and closing costs, who qualifies, and how to start.
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Port Arthur Down Payment Assistance: 2026 Guide
Down payment assistance in Port Arthur, Texas, explained: how TSAHC and TDHCA help with your down payment and closing costs, and how to start.
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Pharr Down Payment Assistance: 2026 Guide
Down payment assistance in Pharr, Texas, explained: how TSAHC and TDHCA help with your down payment and closing costs, who qualifies, and how to start.
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Mission Down Payment Assistance: 2026 Guide
Down payment assistance in Mission, Texas, explained: how TSAHC and TDHCA help with your down payment and closing costs, who qualifies, and how to start.
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Edinburg Down Payment Assistance: 2026 Guide
Down payment assistance in Edinburg, Texas, explained: how TSAHC and TDHCA help with your down payment and closing costs, who qualifies, and how to start.
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Harlingen Down Payment Assistance: 2026 Guide
Down payment assistance in Harlingen, Texas, explained: how TSAHC and TDHCA help with your down payment and closing costs, who qualifies, and how to start.
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Bryan Down Payment Assistance: 2026 Guide
Down payment assistance in Bryan, Texas, explained: how TSAHC and TDHCA help with your down payment and closing costs, who qualifies, and how to start.
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Sherman & Denison Down Payment Assistance: 2026 Guide
Down payment assistance in the Sherman and Denison area (Grayson County), Texas: how TSAHC and TDHCA help with your down payment and closing costs, and how to start.
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Victoria Down Payment Assistance: 2026 Guide
Down payment assistance in Victoria, Texas, explained: how TSAHC and TDHCA help with your down payment and closing costs, who qualifies, and how to start.
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Longview Down Payment Assistance: 2026 Guide
Down payment assistance in Longview, Texas, explained: how TSAHC and TDHCA help with your down payment and closing costs, who qualifies, and how to start.
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Texarkana Down Payment Assistance: 2026 Guide
Down payment assistance in Texarkana, Texas (Bowie County), explained: how TSAHC and TDHCA help with your down payment and closing costs, and how to start.
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Temple Down Payment Assistance: 2026 Guide
Down payment assistance in Temple, Texas, explained: how TSAHC and TDHCA help with your down payment and closing costs, who qualifies, and how to start.
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San Angelo Down Payment Assistance: 2026 Guide
Down payment assistance in San Angelo, Texas, explained: how TSAHC and TDHCA help with your down payment and closing costs, who qualifies, and how to start.
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Wichita Falls Down Payment Assistance: 2026 Guide
Down payment assistance in Wichita Falls, Texas, explained: how TSAHC and TDHCA help with your down payment and closing costs, who qualifies, and how to start.
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Down Payment Assistance in College Station, TX
A 2026 guide to down payment assistance in College Station, Texas: how the statewide TSAHC and TDHCA programs work, the Brazos County income and price limits, and how to qualify.
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Down Payment Assistance in Odessa, TX
A 2026 guide to down payment assistance in Odessa, Texas: how the statewide TSAHC and TDHCA programs work, the Ector County income and price limits, and how to qualify.
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Down Payment Assistance in Midland, TX
A 2026 guide to down payment assistance in Midland, Texas: how the statewide TSAHC and TDHCA programs work, the higher Midland-area income and price limits, and how to qualify.
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Down Payment Assistance in Abilene, TX
A 2026 guide to down payment assistance in Abilene, Texas: how the statewide TSAHC and TDHCA programs work, the Taylor County income and price limits, the VA path for Dyess buyers, and how to qualify.
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Down Payment Assistance in Tyler, TX
A 2026 guide to down payment assistance in Tyler, Texas: how the statewide TSAHC and TDHCA programs work, the Smith County income and price limits, and how to qualify.
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Down Payment Assistance in Beaumont, TX
A 2026 guide to down payment assistance in Beaumont, Texas: how the statewide TSAHC and TDHCA programs work, the Jefferson County income and price limits, and how to qualify.
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Down Payment Assistance in Brownsville, TX
A 2026 guide to down payment assistance in Brownsville, Texas: how the statewide TSAHC and TDHCA programs work, the Cameron County income and price limits, and how to qualify.
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Down Payment Assistance in Grapevine, TX
A 2026 guide to down payment assistance in Grapevine, Texas: how the statewide TSAHC and TDHCA programs work, the Tarrant County income and price limits, and how to qualify.
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Down Payment Assistance in Mansfield, TX
A 2026 guide to down payment assistance in Mansfield, Texas: how the statewide TSAHC and TDHCA programs work across Tarrant, Johnson, and Ellis counties, and how to qualify.
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Down Payment Assistance in Allen, TX
A 2026 guide to down payment assistance in Allen, Texas: how the statewide TSAHC and TDHCA programs work, the Collin County income and price limits, and how to qualify.
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Down Payment Assistance in Lewisville, TX
A 2026 guide to down payment assistance in Lewisville, Texas: how the statewide TSAHC and TDHCA programs work, the Denton County income and price limits, and how to qualify.
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Down Payment Assistance in Richardson, TX
A 2026 guide to down payment assistance in Richardson, Texas: how the statewide TSAHC and TDHCA programs work, the Dallas-area income and price limits, and how to qualify.
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Down Payment Assistance in Carrollton, TX
A 2026 guide to down payment assistance in Carrollton, Texas: how the statewide TSAHC and TDHCA programs work across all three counties, the income and price limits, and how to qualify.
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Down Payment Assistance in Mesquite, TX
A 2026 guide to down payment assistance in Mesquite, Texas: how the statewide TSAHC and TDHCA programs work, the Dallas County income and price limits, and how to qualify.
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Down Payment Assistance in Denton, TX
A 2026 guide to down payment assistance in Denton, Texas: how the statewide TSAHC and TDHCA programs work, Denton County income and price limits, and how to qualify.
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McAllen Down Payment Assistance: 2026 Programs & Income Limits
Up to ~5%Of the loan amount that may go toward your down payment and closing costs ~$123,500Income the Hidalgo County TSAHC limit may reach (non-targeted, any household size) ~$544,232Price limit, rarely a constraint at McAllen prices ~620Credit score most McAllen buyers start from The Rio Grande Valley is one of the most affordable places to […]
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Amarillo Down Payment Assistance: 2026 Programs & Income Limits
Up to ~5%Of the loan amount that may go toward your down payment and closing costs ~$123,500Income the Amarillo-area TSAHC limit may reach (non-targeted, any household size) ~$544,232Price limit, rarely a constraint at Amarillo prices ~620Credit score most Amarillo buyers start from Up on the high plains where Route 66 still runs through town, Amarillo […]
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Waco Down Payment Assistance: 2026 Programs & Income Limits
Up to ~5%Of the loan amount that may go toward your down payment and closing costs ~$123,500Income the McLennan County TSAHC limit may reach (non-targeted, any household size) ~$544,232Price limit, rarely a constraint at Waco prices ~620Credit score most Waco buyers start from Waco spent a decade as one of the most-watched small cities in […]
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Killeen Down Payment Assistance: 2026 Programs & Income Limits
Up to ~5%Of the loan amount that may go toward your down payment and closing costs ~$123,500Income the Bell County TSAHC limit may reach (non-targeted, any household size) $0 downVA loans allow zero down for eligible service members and veterans ~$544,232Price limit, rarely a constraint at Killeen prices Killeen grew up alongside Fort Cavazos, and […]
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Laredo Down Payment Assistance: 2026 Programs & Income Limits
Up to ~5%Of the loan amount that may go toward your down payment and closing costs ~$123,500Income the Webb County TSAHC limit may reach (non-targeted, any household size) ~$544,232Price limit, rarely a constraint at Laredo prices ~620Credit score most Laredo buyers start from Laredo moves more trade than almost any inland port in the country, […]
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Lubbock Down Payment Assistance: 2026 Programs & Income Limits
Up to ~5%Of the loan amount that may go toward your down payment and closing costs ~$123,500Income the Lubbock County TSAHC limit may reach (non-targeted, any household size) ~$544,232Price limit, rarely a constraint at Lubbock prices ~620Credit score most Lubbock buyers start from A lot of people land in Lubbock for Texas Tech and never […]
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Corpus Christi Down Payment Assistance: 2026 Programs & Income Limits
Up to ~5%Of the loan amount that may go toward your down payment and closing costs ~$124,050Income the Nueces County TSAHC limit may reach (non-targeted, any household size) ~$544,232Price limit, rarely a constraint at Corpus Christi prices ~620Credit score most Corpus Christi buyers start from The economy that runs Corpus Christi rewards people who show […]
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El Paso Down Payment Assistance: 2026 Programs & Income Limits
Up to ~5%Of the loan amount that may go toward your down payment and closing costs ~$123,500Income the El Paso County TSAHC limit may reach (non-targeted, any household size) ~$544,232Price limit, rarely a constraint at El Paso prices ~620Credit score most El Paso buyers start from El Paso is one of the most affordable major […]
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Converse Down Payment Assistance: 2026 Programs & Income Limits
Up to ~5%Of the loan amount that may go toward your down payment and closing costs ~$130,833Income the Bexar County TSAHC limit may reach (non-targeted, any household size) ~$579,037San Antonio-area price limit, rarely a constraint at Converse prices ~620Credit score most Converse buyers start from Converse is one of the most affordable doors into the […]
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Cibolo Down Payment Assistance: 2026 Programs & Income Limits
Up to ~5%Of the loan amount that may go toward your down payment and closing costs ~$130,833Income the Guadalupe County TSAHC limit may reach (non-targeted, any household size) ~$579,037San Antonio-area purchase-price limit that applies in Cibolo ~620Credit score most Cibolo buyers start from Cibolo has built a reputation as a place where the family math […]
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Schertz Down Payment Assistance: 2026 Programs & Income Limits
Up to ~5%Of the loan amount that may go toward your down payment and closing costs ~$130,833Income the Guadalupe County TSAHC limit may reach (non-targeted, any household size) $0 downVA loans allow zero down for eligible veterans, with assistance toward closing costs ~$579,037San Antonio-area purchase-price limit that applies in Schertz Plenty of buyers stationed at […]
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New Braunfels Down Payment Assistance: 2026 Programs & Income Limits
Up to ~5%Of the loan amount that may go toward your down payment and closing costs ~$130,833Income the Comal County TSAHC limit may reach (non-targeted, any household size) ~$579,037San Antonio-area purchase-price limit that applies in New Braunfels ~620Credit score most New Braunfels buyers start from New Braunfels has spent the last decade near the top […]
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Leander Down Payment Assistance: 2026 Programs & Income Limits
Up to ~5%Of the loan amount that may go toward your down payment and closing costs ~$167,250Income the Williamson County TSAHC limit may reach (non-targeted, any household size) ~$593,363Austin–Round Rock price limit, the figure to watch on new builds ~620Credit score most Leander buyers start from Leander has been one of the fastest-growing cities in […]
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San Marcos Down Payment Assistance: 2026 Programs & Income Limits
Up to ~5%Of the loan amount that may go toward your down payment and closing costs ~$167,250Income the Hays County TSAHC limit may reach (non-targeted, any household size) ~$593,363Austin–Round Rock price limit, rarely a constraint at San Marcos prices ~620Credit score most San Marcos buyers start from If you have been renting near the Texas […]
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Pflugerville Down Payment Assistance: 2026 Programs & Income Limits
Up to ~5%Of the loan amount that may go toward your down payment and closing costs ~$167,250Income the Travis County TSAHC limit may reach (non-targeted, any household size) ~$593,363Austin–Round Rock purchase-price limit that applies in Pflugerville ~620Credit score most Pflugerville buyers start from Every month you keep renting in the Austin area is money you […]
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Georgetown Down Payment Assistance: 2026 Programs & Income Limits
Up to ~5%Of the loan amount that may go toward your down payment and closing costs ~$167,250Income the Williamson County TSAHC limit may reach (non-targeted, any household size) No first-time ruleHome Sweet Texas and My Choice Texas Home welcome repeat buyers ~$593,363Austin–Round Rock purchase-price limit that applies in Georgetown For several years running, Georgetown was […]
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Cedar Park Down Payment Assistance: 2026 Programs & Income Limits
Up to ~5%Of the loan amount that may go toward your down payment and closing costs ~$167,250Income the Williamson County TSAHC limit may reach (non-targeted, any household size) ~$593,363Austin–Round Rock purchase-price limit that applies in Cedar Park 3% / 3.5%Typical down payment, conventional or FHA, that assistance may cover A lot of Cedar Park families […]
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Round Rock Down Payment Assistance: 2026 Programs & Income Limits
Up to ~5%Of the loan amount that may go toward your down payment and closing costs ~$167,250Income the Williamson County TSAHC limit may reach (non-targeted, any household size) ~$593,363Austin–Round Rock purchase-price limit, the figure to watch ~620Credit score most Round Rock buyers start from Here is a belief that quietly costs Round Rock buyers thousands: […]
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Down Payment Assistance in Cypress, TX
How down payment assistance works for Cypress buyers in 2026: why unincorporated Harris County opens a second door, the statewide TSAHC and TDHCA programs, the 2026 limits, and what you may qualify for.
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Down Payment Assistance in Missouri City, TX
How down payment assistance works for Missouri City buyers in Fort Bend County in 2026: the Fort Bend County program, the statewide TSAHC and TDHCA programs, the 2026 limits, and what you may qualify for.
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Down Payment Assistance in Spring, TX
How down payment assistance works for Spring buyers in 2026: why unincorporated Harris County opens a second door through the county program, the statewide TSAHC and TDHCA programs, and what you may qualify for.
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Down Payment Assistance in Conroe, TX
How down payment assistance works for Conroe buyers in Montgomery County in 2026: why this affordable city is an easy place to qualify, the statewide TSAHC and TDHCA programs, and what you may qualify for.
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Down Payment Assistance in League City, TX
How down payment assistance works for League City buyers in Galveston County in 2026: why the statewide programs are the path, the 2026 income and price limits, and what you may qualify for.
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Down Payment Assistance in Pasadena, TX
How down payment assistance works for Pasadena buyers in 2026: why this affordable Harris County city is one of the easiest places to qualify, the statewide TSAHC and TDHCA programs, and what you may qualify for.
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Down Payment Assistance in Katy, TX
How down payment assistance works for Katy buyers across Harris, Fort Bend, and Waller counties in 2026: how your county changes the limit, the statewide TSAHC and TDHCA programs, and what you may qualify for.
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Down Payment Assistance in Pearland, TX
How down payment assistance works for Pearland buyers across Brazoria, Harris, and Fort Bend counties in 2026: the higher Brazoria County income limit, the statewide TSAHC and TDHCA programs, and what you may qualify for.
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Down Payment Assistance in The Woodlands, TX
How down payment assistance works for The Woodlands and Montgomery County buyers in 2026: the income and purchase-price limits that decide eligibility, the statewide TSAHC and TDHCA programs, and how to see what you may qualify for.
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Down Payment Assistance in Sugar Land, TX
How down payment assistance works for Sugar Land and Fort Bend County buyers in 2026: the income and purchase-price limits that actually decide eligibility, the statewide TSAHC and TDHCA programs, the local Fort Bend County program, and how to see what you may qualify for.
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What Is TSAHC?
TSAHC is the Texas State Affordable Housing Corporation, a nonprofit that helps Texans buy homes through down payment assistance and a tax credit. Here is how it works and who qualifies.
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TSAHC Income Limits
TSAHC income limits by Texas county for 2026 — what you can earn and still qualify for Home Sweet Texas and Homes for Texas Heroes. One limit applies at any household size.
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TSAHC Interest Rates
TSAHC's current interest rates for Home Sweet Texas and Homes for Texas Heroes, with live tables that update daily, plus a plain guide to the no-DPA, grant, and forgivable options.
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Grand Prairie Down Payment Assistance
Down payment assistance in Grand Prairie, TX may cover up to about 5% of your loan through TSAHC and TDHCA, plus the city Buying Power Program. See 2026 income limits across Dallas, Tarrant, and Ellis counties.
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Garland Down Payment Assistance
Down payment assistance in Garland, TX may cover up to about 5% of your loan through TSAHC and TDHCA. In an affordable Dallas County city, the help reaches nearly the whole market. See 2026 limits and how to qualify.
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Irving Down Payment Assistance
Down payment assistance in Irving, TX may cover up to about 5% of your loan through TSAHC and TDHCA, plus a generous city program. See 2026 Dallas County income limits and how to qualify.
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McKinney Down Payment Assistance
Down payment assistance in McKinney, TX may cover up to about 5% of your loan through TSAHC and TDHCA. See 2026 Collin County income limits, programs, and how to qualify.
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Frisco Down Payment Assistance
Down payment assistance in Frisco, TX may cover up to about 5% of your loan through TSAHC and TDHCA. See 2026 Collin and Denton County income limits, the price cap, and how to qualify.
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Plano Down Payment Assistance
Down payment assistance in Plano, TX may cover up to about 5% of your loan through TSAHC and TDHCA. See 2026 Collin County income limits, the price cap, and how to qualify.
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Arlington Down Payment Assistance
Down payment assistance in Arlington, TX may cover up to about 5% of your loan amount through TSAHC and TDHCA. See 2026 Tarrant County income limits, programs, and how to qualify.
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Fort Worth Down Payment Assistance
Fort Worth down payment assistance can put thousands toward your first home. See which Texas programs you may qualify for in Tarrant County, the income limits, and how to find out where you stand.
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Austin Down Payment Assistance
Austin has a reputation for being out of reach. For a lot of buyers, the gap between renting and owning is smaller than they think, and Texas down payment assistance is a big part of why.
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Mortgage Pre-Approval vs Pre-Qualification in Texas (2026)
The two words get used interchangeably, even by lenders, but in a competitive Texas market the strength of your letter can matter almost as much as your offer price.
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How Much Should You Put Down on a House in Texas? (2026)
The "best" down payment is not always the biggest one. Putting less down and keeping cash in the bank is often the smarter move, and many Texas buyers need far less than they think.
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What Credit Score for a Conventional Loan in Texas? (2026)
You probably need a lower score than you think. Most conventional loans start around 620, and your whole financial picture, not just the number, decides what you qualify for.
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Conventional vs FHA Loan: Which Is Better in Texas? (2026)
FHA is not just for first-timers, and conventional is not just for people with big down payments. The real answer depends on your numbers, and one path may quietly save you thousands.
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What Is PMI & When Does PMI Go Away in Texas? (2026)
PMI has a bad reputation it does not deserve. For many Texas buyers it is the tool that turns "someday" into this year, and on a conventional loan it does not stick around forever.
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TSAHC vs. TDHCA: Which Texas Down Payment Assistance Program Is Right for You? (2026)
TSAHC vs TDHCA compared: both offer up to 5 percent down payment assistance and a 620 score. See which Texas program fits your income, county, and buyer status.
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TSAHC Down Payment Assistance: Home Sweet Texas, Heroes and MCC Guide (2026)
How TSAHC Home Sweet Texas and Homes for Texas Heroes work: up to 5 percent down payment assistance, a 620 score, shared county income limits, and a 15 percent MCC tax credit.
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How Much Down Payment Do You Need to Buy a House in Texas? (2026)
You may need far less than 20% down. See the real down payment minimums to buy a house in Texas — and how down payment assistance can lower them further.
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First-Time Home Buyer in Texas: The Complete 2026 Guide
Everything a first-time home buyer in Texas needs in 2026 — down payment minimums, loan types, down payment assistance, income limits, and the myths to ignore.
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How Long Is a Mortgage Pre-Approval Good For? Texas Homebuyer Guide (2026)
Most mortgage pre-approvals last about 60–90 days. Here's how pre-approval works in Texas, how it differs from pre-qualification, and how to renew it.
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Texas Down Payment Assistance Programs: Eligibility, Income Limits, Grants & Pros and Cons (2026)
A clear guide to Texas down payment assistance programs — who qualifies, how high income limits really go, the four types of assistance, and the pros and cons.
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Grant vs. Forgivable Loan vs. Deferred Loan: Texas Down Payment Assistance Explained (2026)
The three most common types of Texas down payment assistance — grants, forgivable loans, and deferred loans — and how to choose the structure that fits you.
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TDHCA Down Payment Assistance: The Texas Homebuyer Program Guide (2026)
How TDHCA's My First Texas Home and My Choice Texas Home programs work — up to 5% down payment assistance, a 620 credit minimum, and income limits higher than most Texas buyers expect.
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Conventional Loans in Texas: Requirements, Limits & Down Payment
A conventional loan can start with as little as 3% down in Texas, with PMI that cancels as you build equity. Here are the requirements, the 2026 loan limits, and how conventional compares with FHA, VA, and USDA.
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USDA Loans in Texas: $0 Down, Eligibility Maps & Income Limits
A USDA loan lets eligible Texas buyers purchase a primary home in a USDA-eligible rural area with 100% financing and no down payment. Here is how eligibility, the income limits, the guarantee fee, and the area map actually work in 2026.
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VA Loans in Texas: $0 Down, Eligibility, and Limits
A VA loan lets eligible Texas veterans and service members buy a primary residence with $0 down and no monthly mortgage insurance. Here is how eligibility, the funding fee, and Texas loan limits actually work in 2026.
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FHA Loans in Texas: Requirements, Limits, and How to Qualify
An FHA loan is how many Texas buyers get into a home with just 3.5% down and a credit score as low as 580. Here is how FHA loans work in Texas — the requirements, 2026 loan limits by county, mortgage insurance, and how to qualify.
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Firefighter Home Loans in Texas: Down Payment Assistance
Firefighter home loans in Texas come with an advantage built for the people who run toward danger — the Homes for Texas Heroes program offers a grant or forgivable second lien toward your down payment, no first-time-buyer requirement, plus an optional MCC tax credit.
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Texas First Responder & EMS Home Loans: Down Payment Assistance
First responder home loans in Texas reach further than most EMS workers expect — the Homes for Texas Heroes program offers a grant or forgivable second lien toward your down payment, no first-time-buyer requirement, plus an optional MCC tax credit. Here is how EMS personnel qualify.
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Texas Corrections Officer Home Loans & Down Payment Assistance
Texas corrections officer home loans get overlooked, but the Homes for Texas Heroes program covers corrections officers, juvenile corrections officers, and county jailers — a grant or forgivable second lien toward your down payment, no first-time-buyer requirement, plus an MCC tax credit.
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Texas Veteran Home Loan: VA Loans, DPA & VLB Benefits
A Texas veteran home loan can take several forms — a VA loan (zero down, no monthly mortgage insurance), Homes for Texas Heroes down payment assistance, the Texas Veterans Land Board, and an MCC tax credit. Veterans are exempt from the first-time-buyer rule. Here is how the options fit together.
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Texas Nurse & Nursing Faculty Home Loans & Down Payment Assistance
Home loans for nurses in Texas split into two paths: nursing faculty and school nurses qualify for Homes for Texas Heroes, while bedside RNs route to Home Sweet Texas — both with the same down payment assistance, no first-time-buyer requirement, plus an optional MCC tax credit.
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Home Loans for Police Officers in Texas: Down Payment Assistance
Home loans for police officers in Texas come with a real advantage — the Homes for Texas Heroes program offers a grant or forgivable second lien toward your down payment, no first-time-buyer requirement, plus an optional MCC tax credit. Here is how Texas officers qualify.
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Texas Teacher Home Loans: Down Payment Assistance for Texas Educators
Texas teacher home loans and down payment assistance through the Homes for Texas Heroes program — a grant or forgivable second lien toward your down payment and closing costs, no first-time-buyer requirement, plus an optional federal tax credit. Here is how Texas educators qualify.
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San Antonio Down Payment Assistance
The City of San Antonio's HIP program is paused for FY 2026 — but the statewide TSAHC and TDHCA programs are open year-round, reach all of Bexar County and the JBSA communities, and carry higher income ceilings.
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Dallas Down Payment Assistance
Down payment assistance in Dallas isn't just for low incomes — the main Texas program serving Dallas County allows income up to about $146,625 at any household size, with grants, forgivable seconds, and a federal MCC tax credit.
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Houston Down Payment Assistance
Most Houston buyers think they need 20% down. They don't — TSAHC, TDHCA, and the federal MCC tax credit may cover much of your down payment and closing costs, with income limits that reach well into a normal Houston salary.
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Mortgage Credit Certificate Texas — 15% Tax Credit Guide (2026)
A federal income tax credit worth 15% of your annual mortgage interest, every year you own your Texas home — issued at closing by TSAHC or TDHCA, paired with state down payment assistance, and limited only by your federal tax liability.
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My Choice Texas Home — 2026 Repeat Buyer DPA Guide
TDHCA's down payment assistance for repeat Texas buyers — up to 5% of your loan amount, no purchase price limits, and income limits that scale by loan type.
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My First Texas Home — 2026 First-Time Buyer Guide
TDHCA's first-time-buyer DPA — up to 5% of your loan amount as a 30-year deferred second lien or 3-year forgivable lien, paired with FHA, VA, or USDA.
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Homes for Texas Heroes Program (2026 Guide)
TSAHC down payment assistance for the Texans who serve — teachers, first responders, veterans and more — up to 5% of your loan amount, plus a waived MCC fee.
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Home Sweet Texas Home Loan Program (2026 Guide)
TSAHC's statewide down payment assistance for first-time and repeat Texas buyers — up to 5% of your loan amount, with income limits higher than most buyers expect.
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Find Your Texas Down Payment Assistance.
No SSN. No credit pull. We show you the TSAHC, TDHCA, and Texas DPA programs you may qualify for — and we never sell your data.