Texas homebuyers can access up to $15,250 in down payment assistance through the Texas Department of Housing and Community Affairs (TDHCA). On the state's $305,000 median home price, that covers roughly 25% of a standard 20% down payment. Texas has 3 state DPA programs total.
Primary Program: My First Texas Home DPA
maximum assistance
0% interest, no monthly payments. Repaid when you sell, refinance, or pay off the first mortgage.
- Administering Agency
- Texas Department of Housing and Community Affairs (TDHCA)
- Income Limit
- 80% of Area Median Income
- Purchase Price Cap
- $481,176
Additional Texas DPA Programs
Texas Homebuyer Program
Deferred Loan$15,250
0% interest, no monthly payments. Repaid when you sell, refinance, or pay off the first mortgage.
Apply / Learn MoreTSAHC Home Sweet Texas
Grant$15,250
True grant — no repayment ever. This money does not need to be paid back under any circumstances.
Apply / Learn MoreHow Down Payment Assistance Works
Most state DPA programs are layered on top of a first mortgage — you apply through an approved lender who originates both the primary loan and the DPA second lien at the same closing. The DPA funds reduce the cash you need upfront.
Grants
Free money — no repayment ever. Typically the smallest amounts but highest value.
Forgivable Loans
Balance forgiven after a set period (usually 3–15 years) if you stay in the home. Selling early triggers repayment.
Deferred Loans
No monthly payments. Balance due when you sell, refinance, or pay off your mortgage.
Down Payment Calculator
Down Payment Planner
Texas median pre-loaded
Your Savings Plan
Timeline
10.2 yrs
saving $500/mo
No PMI at 20% down
20% or more avoids private mortgage insurance entirely.
Estimate only — does not include investment returns on savings.
Full Calculator →Frequently Asked Questions
What down payment assistance is available in Texas?
Texas's primary DPA program is the My First Texas Home DPA, administered by the Texas Department of Housing and Community Affairs (TDHCA). It provides up to $15,250 as a deferred loan. 0% interest, no monthly payments. Repaid when you sell, refinance, or pay off the first mortgage. Additional programs include Texas Homebuyer Program and TSAHC Home Sweet Texas.
How much down payment do I need in Texas after using DPA?
On a $305,000 home (Texas median), a 20% down payment is $61,000. With the My First Texas Home DPA covering $15,250, your remaining gap would be $45,750. Many buyers combine DPA with a 3–5% conventional or FHA loan to reduce their cash needed further.
Do I have to repay Texas down payment assistance?
0% interest, no monthly payments. Repaid when you sell, refinance, or pay off the first mortgage.
Can I combine Texas DPA with other assistance programs?
Yes — Texas's DPA programs can generally be combined ("stacked") with local city and county assistance programs, employer homebuyer benefits, and federal programs. Check with an approved lender or HUD-approved counselor to identify all programs you qualify for.
What are the income limits for Texas down payment assistance?
The My First Texas Home DPA requires income at or below 80% of the Area Median Income (AMI) for your county. AMI limits vary by location and household size. Your lender or the Texas Department of Housing and Community Affairs (TDHCA) can confirm the exact limit for your area.
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