Texas Region
North Texas Down Payment Assistance: 2026 Programs by County
North Texas covers the Dallas-Fort Worth metroplex and the counties just beyond it — including Collin, Denton, Dallas, Tarrant, Rockwall, Kaufman, and Ellis. Down payment assistance through TSAHC and TDHCA may help eligible buyers across every county here, often with no first-time-buyer requirement.
Counties in North Texas
-
Collin County
Collin County (McKinney, Plano, Frisco, and the booming north side of DFW) runs pricey, but the assistance income limits are higher here than buyers expect. You may qualify for TSAHC or TDHCA down payment help and the MCC tax credit even on a comfortable household income, so it's worth checking before you count yourself out.
View -
Dallas County
A lot of Dallas County buyers count themselves out before they ever check. Don't. Eligible buyers may qualify for TSAHC or TDHCA down payment assistance and the federal MCC tax credit, and within Dallas city limits the City's Mortgage Assistance Program is worth a look. The income limits run higher than most people guess.
View -
Denton County
From the city of Denton to fast-growing Little Elm, Denton County is one of DFW's hottest markets, and Texas down payment assistance can help you compete. Eligible buyers may pair TSAHC or TDHCA help with the federal MCC tax credit, even at incomes well into six figures.
View -
Ellis County Down Payment Assistance 2026: TSAHC + TDHCA + MCC
Just south of the Metroplex, Ellis County (Waxahachie, Midlothian, Ennis) gives DFW buyers more house for the money, and assistance can cover much of the up-front cost. Eligible buyers may qualify for TSAHC or TDHCA down payment help and the MCC tax credit, with income limits higher than most expect.
View -
Hunt County Down Payment Assistance 2026: TSAHC + TDHCA + MCC
Just northeast of the Metroplex, Hunt County and Greenville give DFW commuters more home for the money. Eligible buyers may qualify for TSAHC or TDHCA down payment assistance and the federal MCC tax credit, with income limits higher than most expect.
View -
Johnson County Down Payment Assistance 2026: TSAHC + TDHCA + MCC
South of Fort Worth, Johnson County and Cleburne give buyers a small-town feel within reach of DFW jobs. If your income fits the limit, TSAHC or TDHCA may put real money toward your down payment and closing costs, with an MCC tax credit on top.
View -
Kaufman County Down Payment Assistance 2026: TSAHC + TDHCA + MCC
Kaufman County, on the fast-growing east side of DFW around Forney and Terrell, is drawing families priced out closer in. 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.
View -
Parker County Down Payment Assistance 2026: TSAHC + TDHCA + MCC
West of Fort Worth, Parker County and Weatherford offer space and a small-town pace within reach of DFW jobs. Eligible buyers may qualify for TSAHC or TDHCA down payment assistance and the federal MCC tax credit, with income limits set higher than most expect.
View -
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.
View -
Tarrant County
Tarrant County is Fort Worth and the western half of DFW, and the cash up front is what stops most would-be buyers, not the payment. Eligible buyers may shrink it with TSAHC or TDHCA down payment assistance and the federal MCC tax credit; within Fort Worth city limits, the City's Homebuyer Assistance Program is worth a look. The income limits run higher than people guess.
View -
Wichita County Down Payment Assistance 2026: TSAHC + TDHCA + MCC
Wichita County and Wichita Falls, up near the Red River, offer North Texas affordability that's hard to beat. Eligible buyers may qualify for TSAHC or TDHCA down payment assistance and the MCC tax credit, with income limits higher than first-time buyers expect.
View
Cities in North Texas
-
Allen Down Payment Assistance: 2026 Programs & Eligibility
Allen, in Collin County's booming north-DFW corridor, is a top draw for families, and assistance can ease the up-front cost. Eligible buyers may qualify for TSAHC Home Sweet Texas or Homes for Texas Heroes, TDHCA programs, and the MCC tax credit, with income limits higher than most Collin County buyers expect.
View -
Arlington
Arlington sits right between Dallas and Fort Worth, one of DFW's biggest and most affordable mid-cities. Eligible buyers may qualify for TSAHC or TDHCA down payment assistance and the federal MCC tax credit, and Arlington ISD teachers and staff may also tap the Homes for Texas Heroes program.
View -
Flower Mound
Flower Mound, an affluent corner of south Denton County, is one of DFW's most desirable addresses, and the assistance income limits are higher here than buyers expect. You may qualify for TSAHC or TDHCA down payment help and the MCC tax credit even on a strong income, and Lewisville and Argyle ISD staff may add Homes for Texas Heroes.
View -
Garland
Garland, in northeast Dallas County, gives DFW buyers an affordable foothold close to the city. Eligible buyers may qualify for TSAHC or TDHCA down payment assistance and the federal MCC tax credit, and Garland ISD staff may add Homes for Texas Heroes. (The City of Dallas program applies only inside Dallas city limits.)
View -
Grapevine
Grapevine, in northeast Tarrant County beside DFW Airport, mixes historic-Main-Street charm with a prime Metroplex location. Eligible buyers may qualify for TSAHC or TDHCA down payment assistance and the federal MCC tax credit, and Grapevine-Colleyville ISD staff may add Homes for Texas Heroes.
View -
Irving
Irving, between Dallas and Fort Worth and home to the Las Colinas business district, puts buyers in the center of DFW. Eligible buyers may qualify for TSAHC or TDHCA down payment assistance and the federal MCC tax credit, and Irving ISD staff may add Homes for Texas Heroes.
View -
Lewisville
Lewisville, in south Denton County along I-35E, gives DFW buyers a central, affordable foothold. Eligible buyers may qualify for TSAHC or TDHCA down payment assistance and the federal MCC tax credit, and Lewisville ISD staff may add Homes for Texas Heroes.
View -
Mansfield Down Payment Assistance: 2026 Programs & Eligibility
Mansfield, a fast-growing community on the southeast edge of DFW in Tarrant County, is a family favorite. Eligible buyers may qualify for TSAHC Home Sweet Texas or Homes for Texas Heroes, TDHCA programs, and the MCC tax credit, with income limits higher than most DFW buyers expect.
View -
Mesquite
Mesquite, on the east side of Dallas County, gives DFW buyers an affordable spot close to the city. Eligible buyers may qualify for TSAHC or TDHCA down payment assistance and the federal MCC tax credit, and Mesquite ISD staff may add Homes for Texas Heroes. (The City of Dallas program applies only inside Dallas city limits.)
View -
Southlake
Southlake, in north Tarrant County, is one of DFW's most prestigious addresses, and the assistance income limits are higher than buyers assume. You may qualify for TSAHC or TDHCA down payment help and the MCC tax credit even on a strong income, and Carroll ISD staff may add Homes for Texas Heroes.
View -
Wylie Down Payment Assistance: 2026 Programs & Eligibility
Wylie, on the fast-growing northeast edge of DFW in Collin County, gives buyers more space within reach of the Metroplex. Eligible buyers may qualify for TSAHC or TDHCA down payment assistance and the federal MCC tax credit, with income limits higher than most DFW buyers expect, and Wylie ISD staff may add Homes for Texas Heroes.
View
School Districts in North Texas
-
Arlington ISD
Arlington ISD teachers, aides, counselors, and staff may have more home-buying help than they realize. Through Homes for Texas Heroes, eligible school employees in Tarrant County may qualify for TSAHC down payment assistance, typically around 5% of the loan amount, with no first-time-buyer requirement and an MCC tax credit on top.
View -
Garland ISD
Garland ISD teachers and staff in northeast Dallas County may have more help available than they realize. Through Homes for Texas Heroes, eligible employees may qualify for TSAHC down payment assistance, typically around 5% of the loan amount, with no first-time-buyer requirement and an MCC tax credit.
View -
Irving ISD
Irving ISD teachers, aides, and staff in the heart of DFW may have more home-buying help than they expect. Through Homes for Texas Heroes, eligible employees may qualify for TSAHC down payment assistance, around 5% of the loan amount, with no first-time-buyer requirement and an MCC tax credit.
View -
Lewisville ISD (LISD)
Lewisville ISD educators across south Denton County and the DFW metro may qualify for real home-buying help. Through Homes for Texas Heroes, eligible teachers and staff may receive TSAHC down payment assistance, around 5% of the loan amount, with no first-time-buyer requirement and an MCC tax credit.
View -
Mansfield ISD
Mansfield ISD educators on the southeast edge of DFW may qualify for meaningful down payment help. Through Homes for Texas Heroes, eligible staff may receive TSAHC assistance, roughly 5% of the loan amount, with no first-time-buyer requirement, plus an MCC tax credit.
View -
McKinney ISD
McKinney ISD educators in fast-growing Collin County may have more help available than they expect. Through Homes for Texas Heroes, eligible staff may qualify for TSAHC down payment assistance, around 5% of the loan amount, with no first-time-buyer requirement and an MCC tax credit on top.
View -
Mesquite ISD
Mesquite ISD teachers and staff in eastern Dallas County may qualify for real down payment help. Through Homes for Texas Heroes, eligible employees may receive TSAHC assistance, typically around 5% of the loan amount, with no first-time-buyer requirement and an MCC tax credit.
View -
Plano ISD
Plano ISD educators in Collin County may qualify for meaningful down payment help, even in one of DFW's pricier markets. Through Homes for Texas Heroes, eligible staff may receive TSAHC assistance, roughly 5% of the loan amount, with no first-time-buyer requirement, plus an MCC tax credit.
View
North Texas — anchored by the Dallas–Fort Worth metroplex — covers a 16-county region that includes Dallas, Tarrant, Collin, and Denton counties. Texas homebuyers in North Texas may qualify for several state-level down payment assistance programs.
What Buyers Should Know
North Texas — anchored by the Dallas–Fort Worth metroplex — covers a 16-county region that includes Dallas, Tarrant, Collin, and Denton counties. Texas homebuyers in North Texas may qualify for several state-level down payment assistance programs. Buyers in this region may qualify for TSAHC Home Sweet Texas Home (grant or forgivable second lien up to 5% of the loan amount), TSAHC Homes for Texas Heroes (for teachers, police, firefighters, EMS, corrections officers, veterans, and other public-service occupations), TDHCA My First Texas Home and My Choice Texas Home, plus the MCC tax credit for first-time buyers with eligible income. Each program has its own income limits, FICO floor (most start at 620), and purchase price caps that vary by county. Eligible buyers may pair one DPA program with the MCC for additional first-time-buyer benefit.
DFW market context
North Texas centers on the Dallas-Fort Worth-Arlington MSA, the largest metropolitan area in Texas by population. The 2026 HUD Area Median Income for DFW is $114,500 for a four-person household. FHA loan limits sit at $593,800 for one-unit properties — the high-cost tier reflecting elevated DFW home prices. Property tax rates run higher than the Texas statewide average across most DFW counties, which factors into DTI math for qualifying buyers.
Counties Covered
This region includes 11 Texas counties with active ShopDPA coverage. Select a county to view its 2026 AMI tables, FHA loan limits, property tax rates, and the cities, school districts, and military bases within it:
- Collin County
- Dallas County
- Denton County
- Ellis County
- Hunt County
- Johnson County
- Kaufman County
- Parker County
- Rockwall County
- Tarrant County
- Wichita County
See If You May Qualify
The fastest way to find out which Texas down payment assistance programs you may qualify for is the quick eligibility check on our homepage. The check runs in under a minute and walks through TSAHC, TDHCA, and MCC eligibility based on your income, credit, and first-time-buyer status.
Last verified: 2026-05-19. Program details and dollar amounts are current as of the date stamped above; always verify directly with the program administrator (TSAHC, TDHCA, HUD) before making a home-purchase decision.
Find Your Texas Down Payment Assistance.
We will show you which Texas state programs (TSAHC, TDHCA, and the federal MCC tax credit) fit your situation, then introduce you to a Texas-licensed mortgage professional in our partner network who closes these programs every month.