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 Homebuyer Assistance Program (DHAP): up to $60,000
DHAP offers low- and moderate-income buyers up to $60,000 in Dallas's High Opportunity Areas and up to $50,000 elsewhere in the city, sized to need.
Dallas Homebuyer Assistance Program (DHAP)
Money can run out
City of Dallas
Meant for
Low- and moderate-income buyers purchasing within Dallas city limits
How much
Up to $60,000 in High Opportunity Areas; up to $50,000 elsewhere (based on need)
Kind of help
Loan due when you sell or refinance
Income cap
80% AMI (~$96,900 for a family of 4, eff. June 1, 2026)
Price cap
$342,000 existing or new construction
Fine print
DHAP-approved lender; homebuyer education from a DHAP provider; housing payment no more than 35% of gross income; must appraise at 100% of price; US citizen, permanent resident or eligible immigration status
BCL: funding is subject to availability. Repayment/forgiveness terms are in the DHAP manual (not confirmed). City page: https://dallascityhall.com/departments/housing-and-homelessness/Pages/Dallas-Homebuyer-Assistance-Program-DHAP.aspx
Heads-up list. Dallas Homebuyer Assistance Program (DHAP) lives on a limited pot that can run dry. Sign up and we'll tell you when a new round is funded.
How DHAP assistance works
The help is a deferred loan, so there are no monthly payments on it. The exact amount is set by need, up to the cap for the area where you buy. Whether and when it is forgiven or repaid is spelled out in the DHAP manual, which we could not confirm, so ask the administrator before you count on forgiveness. Since May 1, 2026, Business and Community Lenders of Texas (BCL of Texas) runs the program for the city.
Who qualifies?
Household income up to 80% of area median income, about $96,900 for a family of four as of June 1, 2026. The home must be within Dallas city limits, in Dallas County, and priced at $342,000 or less, existing or new construction. Your housing payment cannot exceed 35% of gross income, and the home must appraise at 100% of the price. You need to be a U.S. citizen, permanent resident or have eligible immigration status, use a DHAP-approved lender and finish homebuyer education with a DHAP provider.
DHAP with state programs
DHAP is separate from TSAHC and TDHCA, and the city's policy on layering it with Homes for Texas Heroes or a TDHCA loan is not stated on the pages we reviewed; a participating lender confirms whether they combine. The related Targeted Occupations program has spent its current funding, and the Anti-Displacement program is a separate track for long-time residents.
High Opportunity Areas are designated parts of Dallas where the city wants to expand homeownership, and buying there raises your cap from $50,000 to $60,000. Ask your lender or BCL of Texas to confirm whether a specific address is in one before you make an offer. The 100% appraisal rule matters too: if the home appraises below the price, the deal must be renegotiated or the buyer covers the gap, so keep some cash in reserve and avoid bidding wars on homes at the top of the $342,000 cap.
How to apply
Choose a DHAP-approved lender, get pre-approved within the price cap, and complete the required education. Your lender submits to BCL of Texas. BCL says funding is subject to availability. Read the assistance mistakes guide about appraisal and timing problems, and check your eligibility.
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.
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