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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. 

State Sponsored
Bank Sponsored Matching Funds Programs
Community/local Sponsored Grants
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: 


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: