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
Harris County outside Houston, Baytown, Deer Park, Friendswood, La Porte, League City, Missouri City, Pasadena, Pearland
Harris County HFC gift funds: $1,000 extra with a TDHCA loan
Buyers using TDHCA My First Texas Home in parts of Harris County outside Houston can receive a $1,000 gift from the Harris County Housing Finance Corporation.
Harris County HFC gift funds with TDHCA
Money can run out
Harris County outside Houston, Baytown, Deer Park, Friendswood, La Porte, League City, Missouri City, Pasadena, Pearland
Meant for
TDHCA My First Texas Home bond-loan borrowers
How much
$1,000 gift
Kind of help
Grant, nothing to repay
Income cap
TDHCA county limits
Price cap
TDHCA county limits
First-timers only?
Yes
Fine print
Must use TDHCA My First Texas Home bond loans or the No-DPA first lien; not Combo or My Choice
Flyer dated May 27, 2025; 'Funds are limited', first-come, first-served.
Heads-up list. Harris County HFC gift funds with TDHCA lives on a limited pot that can run dry. Sign up and we'll tell you when a new round is funded.
What the gift is
It is a $1,000 grant layered on top of a TDHCA loan, not a separate program you apply to on its own. It helps with cash to close, and it does not have to be repaid. The flyer describing it is dated May 27, 2025, says funds are limited, and handles requests first-come, first-served, so availability can change.
Where it applies
The service area is Harris County outside the cities of Houston, Baytown, Deer Park, Friendswood, La Porte, League City, Missouri City, Pasadena and Pearland. That leaves unincorporated areas and other small cities. If your new home is inside Houston or one of those cities, this gift will not apply. Check the address carefully, since ZIP codes in Harris County often cross city lines.
Which loans qualify?
You need a TDHCA My First Texas Home bond loan or the TDHCA No-DPA first lien. It does not work with Combo loans or with My Choice Texas Home, and it is not paired with TSAHC's Homes for Texas Heroes. TDHCA's county income and price limits apply, and the first-time rule follows the TDHCA loan. For many first-time buyers, that means comparing a TDHCA loan with this $1,000 against a TSAHC loan without it. The cash-to-close guide helps you run that comparison.
The gift is small next to TDHCA's own up-to-5% assistance, but it is free money and it stacks on the TDHCA side. On a $200,000 loan, as a round example, 5% from TDHCA would be $10,000, and the HFC gift brings the total to $11,000. Remember that TDHCA's My First Texas Home assistance is a 30-year repayable lien under the November 2026 notice, while this $1,000 is a gift. Other HFCs, including City of Houston and Fort Bend County, partner with TDHCA as well; your lender knows which offer gifts right now.
How to request it
Ask a TDHCA participating lender to request the HFC gift when it reserves your My First Texas Home loan; the lender handles it. Because funds are first-come, first-served, ask early in the process. A short eligibility check can show which state program to start with.
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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