Homes for Texas Heroes takes applications all year: up to 5% of the loan amount, paid toward your down payment and closing.(800) 555-0100Run the 2-minute check
Dallas Anti-Displacement Homebuyer Assistance for long-time residents
Residents who have lived in Dallas for at least 10 years can get up to $50,000 toward a home through the Anti-Displacement track of DHAP, sized to need.
Dallas Anti-Displacement Homebuyer Assistance Program
Money can run out
City of Dallas (designated targeted areas)
Meant for
Current Dallas residents who have lived in the city at least 10 years
How much
Up to $50,000 (based on need)
Kind of help
Loan due when you sell or refinance
Income cap
50% to 120% AMI (120% ~$145,320 for a family of 4)
Price cap
No sales price limit
Fine print
Housing payment no more than 35% of gross income; must appraise at 100% of price; some funding limited to targeted areas
Heads-up list. Dallas Anti-Displacement Homebuyer Assistance Program lives on a limited pot that can run dry. Sign up and we'll tell you when a new round is funded.
Why this track exists
Rising prices push long-time residents out of the neighborhoods they grew up in. This part of the Dallas Homebuyer Assistance Program is aimed at keeping them in the city. It is a deferred loan with no monthly payment, run by BCL of Texas for the City of Dallas, and some of its money is limited to designated targeted areas.
Who qualifies?
You must currently live in Dallas and have lived in the city for at least 10 years. The income range is broader than regular DHAP: from 50% up to 120% of area median income, which tops out around $145,320 for a family of four. There is no sales price limit. Your housing payment cannot exceed 35% of gross income, and the home must appraise at 100% of the purchase price. The home must be in the city, in Dallas County.
Anti-Displacement vs. regular DHAP
Regular DHAP caps income at 80% of AMI and price at $342,000, but offers up to $60,000 in High Opportunity Areas. The Anti-Displacement track allows more income and no price cap, but tops out at $50,000 and requires the 10-year residency. A teacher or firefighter earning above 80% of AMI could fit here but not in regular DHAP. Whether it combines with Homes for Texas Heroes or a TDHCA loan is not stated; a participating lender confirms whether they combine. See firefighter eligibility for the state program side.
The amount is based on need, so the full $50,000 is a ceiling, not a promise. Buyers at the lower end of the income range, around 50% of AMI, may get more than those near 120%. Because some funding is reserved for designated targeted areas, ask which neighborhoods have money available before you start touring. The same 100% appraisal rule as regular DHAP applies, so a home that appraises low can stall the file.
How to apply
Gather proof of 10 years of Dallas residency, such as leases or utility bills, and work with a DHAP-approved lender. Funding is subject to availability. Before you start, run a quick eligibility check and review the cash-to-close guide.
Summed up from the program's official page as of November 2026. Money and rules change; check current terms with the program or a lender that takes part. Texas Down Payment Assistance has no tie to this program.
Got it. You're signed up.
We'll reach out when it reopens. Curious what you could qualify for right now?
I'm Linda, and I answer the phones for this desk. See if you're eligible for down payment assistance in Texas. A few taps and you'll know where you stand.
