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Texas Grants
There are many grants available in this State to assist a home buyer
purchase a home. By using these grants it makes it possible to purchase a home
with little or no money down.
Below is a list of some of the grants available, as well as contact information for each. Some are State sponsored grants. Some are sponsored on the county or municipality level.
Understand that many of these grants have limited funding, and most have income restrictions, so it is important to work with your mortgage lender and the non profit administering the grant program to ensure availability of funds.
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State Sponsored |
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Bank Sponsored Matching Funds Programs |
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Community/local Sponsored Grants |
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Seller Funded Down Payment Assistance Programs |
State Sponsored
The State of Texas offers a down payment and closing costs assistance loan to help you with your down payment and closing costs. When applying for the state’s first time home buyer program, you can choose to take a loan with a slightly higher rate, but receive a grant of 5% of the loan amount, to help you with costs of buying the home. Below is a link to the State’s web site:
http://www.tdhca.state.tx.us/homeownership/fthb/index.htm
Bank Sponsored Matching Funds Programs
Banks that are members of the Federal Home Loan Banking system also offer IDA savings accounts. Visit the Regional Federal Home Loan Bank web site for more information.
Community/local Sponsored Grants
Abilene First Time Home Buyers (FTHB) Program
(915) 676-6363
Arlington Homebuyers Assistance Program (AHAP)
This contract is managed by Hunter and Hunter on behalf of the the City of Arlington.
(866) 231-5843
Athens Homebuyer Assistance Program (HAP)
(903) 677-6610
Austin Housing Finance Corporation Home Down payment Assistance Program (HDPA)
(512) 499-3149
Brazoria County First Time Homebuyer Program
(979) 864-1860
Bryan Down Payment Assistance Program (DA)
(979) 209-5183
College Station Down payment Assistance Program
(979) 764-3810
Corpus Christi Home Buyer Program (HBP)
(361) 880-3010
Corpus Christi New Construction Homebuyer Program (NCP)
(361) 880-3010
Dallas County Upfront Cost Assistance (UPCAP) Program
(214) 819-6060
Dallas Mortgage Assistance Program (MAP)
(214) 651-7789
Dallas Piedmont/Seyene Housing Trust Fund Homeowner Assistance Plan
(214) 943-9007
Denton Homebuyer Assistance Program (HAP)
(940) 349-7726
El Paso Housing Assistance Program (HAP)
(915) 541-4888
CIty of Fort Worth Assistance Programs
(817) 392-7328
Garland NU STAR Infill Program (INFILL)
(972) 205-3321
Garland Village of Eastgate Homebuyer Assistance Program (HAP)
Greenville Homebuyer Assistance Program (HAP)
(903) 457-3160
Harlingen Community Development Corporation Homebuyers Program (HP)
(956) 421-2351
Harris County HACH Public Housing Homeownership Program (PHHP)
(713) 260-0763
Harris County Mortgage Assistance Program (MAP)
(713) 578-2000
Harris County/Houston City-Homebuyer Assistance Program (HAP)
(713) 644-8488
Hidalgo County Homebuyer Assistance Program (HAP)
(956) 318-2619
Houston Alliance for Multicultural Community Services The Alliance IDA Program (IDA)
(713) 776-4700
Houston Covenant Community Capital Corporation Smart Savings Program (SSP)
(713) 223-1864
Laredo First Time Homebuyer Down payment Assistance Program (FTHB)
(956) 795-2675
Lubbock Down Payment & Closing Cost (DP/CC) Assistance Program
(806) 745-9559
Marshall First Time Homebuyer Down payment and Closing Cost Program (FTHB)
(903) 935-4457
McLennan County Neighborhood Housing Services of Waco, Inc. Down payment Assistance Program (DAP)
(254) 752-1647
Midland Neighborhood Housing Services Down Payment Assistance Program (DPAP) - NCR/Option 2
(915) 687-6647
Midland Neighborhood Housing Services Down Payment Assistance Programs (DPAP) - HIP/Option 1
(915) 687-6647
Multi Counties Lubbock Housing Finance Corporation Welcome Home Gift Program (GIFT)
(806) 745-9559
Multi Counties Southeast Texas Finance Corporation First Time Homebuyer Assistance Program (FTHP)
(281) 484-4663
New Braunfels Homebuyer Assistance Program (HAP)
(830) 608-2100
Nueces County Community Action Agency First Time Homebuyers Program
(361) 883-7201
Pasadena First Time Homebuyer Assistance Program - SETH
(281) 484-4663
Plano First Time Homebuyer Program (FTHB)
(972) 941-7665
Round Rock Home Ownership Assistance Program (HOAP)
(512) 341-3320
San Antonio Homeownership Incentive Program (HIP)
(210) 225-6833
San Antonio Our Casas Leverage Loan Program (LLP)
(210) 225-6833
San Benito HOME Investment Partnership Program (HIPP)
(512) 475-1391
Sherman First Time Homeownership Closing Cost Grant Program (FHCCP)
(903) 892-7227
Tarrant County Housing Partnership Inc Homebuyer Assistance Program (HAP)
(817) 924-5091
Temple Affordable Housing Program (AHP)
(254) 298-5670
Temple Homeownership Program (HOP)
(254) 773-2009
Terrell First Time Homebuyer Program (FTHP)
(972) 551-6670
Texas City First Time Homebuyer Assistance Program (FTHB)
(409) 643-5730
Texas United Cerebral Palsy of Texas Home of Your Own (HOYO) First Time Home Buyer Grants (HBA)
(512) 472-8696
Val Verde County Del Rio Housing Authority Homebuyer Assistance Program (HAP)
(830) 774-6506
Victoria Mortgage Assistance Program (MAP)
(361) 572-2795
Waco New/Acquisition Housing Loan Program (HLP)
(254) 750-5629
Webb County Laredo-Webb NHS First Time Homebuyer Home Ownership Pilot Program (HOP)
(956) 712-9100
Wichita Falls First-Time Homebuyers Program (FTHP)
(940) 761-7454
Seller Funded Down Payment Assistance Programs
There are several non profit organizations that allow a seller to “donate” funds to them at closing, which is then given to the buyer as a down payment assistance grant. Presently, the federal government is reviewing these programs to determine whether this practice is an acceptable lending practice. By using one of these programs it is possible to purchase a home with little or no money.
The seller needs to be a motivated seller, and the home needs to be priced correctly. Usually the sales price is inflated to cover the “donation”. The home must be able to appraise at the inflated price.
These programs are initiated by the lender, so it is important to work with a local lender before you start looking for a home. The lender will also know how present legislation is affecting the program. The two most commonly used programs are The American Dream DAP and The Nehemiah DAP. Below are links to their web site.
American Dream: http://www.americandreamdownpaymentassistance.com/dpa_app.cfm
Nehemiah Corp:
http://www.nehemiahcorp.org/
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