Down Payment & Closing Cost Assistance Programs in Texas
Verified state, city, and nonprofit programs available through approved lenders.
Available Assistance
TDHCA My First Texas Home
State ProgramUp to 5% of loan amount
First-time buyers & veterans. Income & purchase price limits apply.
Must use a TDHCA-approved lender.
Homebuyer education course required.
TDHCA My Choice Texas Home
State ProgramUp to 5% of loan amount
Repeat buyers & first-time buyers. Income limits apply.
Must use a TDHCA-approved lender.
Homebuyer education course required.
City of Houston Homebuyer Assistance Program
City ProgramUp to $30,000
First-time buyers in Houston city limits. Low-to-moderate income.
Must use a participating lender.
8-hour HUD-approved course required.
TSAHC Home Sweet Texas Program
NonprofitUp to 5% of loan amount (Grant or Forgivable Second Lien)
Low-to-moderate income buyers. No first-time requirement.
Must use a TSAHC-approved lender.
Homebuyer education course required.
SETH 5 Star Texas Advantage Program
NonprofitUp to 5% of loan amount
Buyers across Texas (except Travis, El Paso, Grand Prairie, McKinney).
Must use a SETH-approved lender.
SETH Homebuyer education required.
Find Your Program Match
Not sure which program fits your situation? Take our quick 4-question quiz to see your preliminary eligibility matches.
Program Eligibility Matcher
Answer 4 quick questions to see which assistance programs you might qualify for.
Are you a U.S. Military Veteran, Active Duty, or surviving spouse?
Understanding Homebuyer Financial Assistance Options
This video provides general educational insight into homebuyer financial support and assistance programs and is not a guarantee of eligibility or funding.
Financial assistance programs are subject to lender approval, program eligibility requirements, income limits, and underwriting guidelines. Garcia Vet Homes does not guarantee approval or funding.
How It Works
Pre-approval with Approved Lender
Start by getting pre-approved through a lender that participates in the specific assistance program.
Homebuyer Education Course
Complete the required homebuyer education course, usually available online.
Program Eligibility Review
The lender submits your application to the program agency for formal eligibility review.
Assistance Layering Approval
Confirm the assistance amount and ensure it layers correctly with your primary mortgage (like a VA loan).
Home Purchase Closing
The assistance funds are applied directly at closing to cover your down payment or closing costs.
Who Qualifies?
Veterans
Often eligible for specialized programs and can layer assistance with VA loans.
First-Time Buyers
Individuals who haven't owned a principal residence in the past 3 years.
Repeat Buyers
Many programs no longer require you to be a first-time homebuyer.
Low-to-Moderate Income
Households meeting specific income and purchase price limits for the area.
Important Compliance Information
Garcia Vet Homes is a real estate brokerage, not a mortgage lender or government agency. The programs listed are administered by third-party state, city, and nonprofit organizations.
- Programs are lender-processed only
- Assistance varies by income and credit
- Subject to underwriting approval
- Not guaranteed funding