One of the biggest myths in homebuying is that you need to save tens of thousands of dollars before you can buy. In Texas, there are multiple programs designed to cover your down payment and closing costs — and most buyers have no idea they exist.

Key TakeawayTexas has state, county, and city-level down payment assistance programs offering grants and forgivable loans up to 5% of the purchase price. Many buyers in DFW qualify without knowing it.

TSAHC (Texas State Affordable Housing Corporation)

Offers down payment assistance of 3–5% of the loan amount as a grant (never repaid) or a forgivable second lien. Available to both first-time and repeat buyers in target areas. Income limits apply.

My First Texas Home

This state program provides a 30-year fixed rate loan with down payment and closing cost assistance up to 5% of the loan amount. Pairs well with FHA, VA, USDA, and conventional loans.

City-Level Programs

Fort Worth, Dallas, and surrounding cities sometimes offer additional assistance on top of state programs. These change periodically — I stay current on what's available and match clients to the right combination.

Have a question about your specific situation? Call or text (269) 830-0020 directly.

Talk to Keith

Frequently Asked Questions

Do I have to be a first-time buyer to qualify for DPA?▾
Not always. Some programs define “first-time buyer” as someone who hasn't owned a home in the past three years. Others have no first-time buyer requirement at all, especially in targeted areas. Every available program is checked for each client before applying.
Is down payment assistance considered a loan I have to repay?▾
Depends on the program. Some are outright grants — never repaid. Others are forgivable loans wiped out after 3 years if you stay in the home. A few are deferred second mortgages with no interest or payments until you sell or refinance. All options are explained clearly before commitment.

Want to know which programs you qualify for? Let's check together.

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