City of El Paso
Welcome Home El Paso offers a grant of up to 5% of the loan amount to buyers within El Paso city limits, applied for through a participating lender.
City of El Paso
Fact-checked November 2026 · our sources
Could I get this? →The El Paso Housing Finance Corporation funds this grant, and participating lenders such as GECU and Guardian Mortgage deliver it. Because the amount is tied to the loan, a $250,000 loan, as a round example, would mean up to $12,500. It is a grant, so there is no lien to repay.
Buyers purchasing a home within El Paso city limits in El Paso County. Income limits are $90,100 for 1 to 2 people and $103,615 for 3 or more. A first-time buyer rule is not stated on the city page, so ask the lender. You apply through a participating lender rather than directly with the city.
Mi Casa is a flat cap of up to $20,000 with first-time rules outside target areas and slightly different income limits. Welcome Home scales with your loan and runs through lenders. For a modest loan, Mi Casa's fixed amount may be larger; for a bigger loan the 5% can approach it. Whether the two can be combined, or used with TSAHC or TDHCA help, is something a participating lender confirms. Teachers and first responders in El Paso should also compare Homes for Texas Heroes; see police officer eligibility.
The income limits for Welcome Home are a little lower than Mi Casa's non-target figures, so a household near the top of either range should check both. Because you go through the lender, the lender's own credit and debt rules set the floor for approval, and pricing can differ between participating lenders. Ask each one for the rate and fees with and without the grant so you can see what the 5% is really worth.
Since the grant is a percentage, a buyer who increases the down payment from other sources lowers the loan, and with it the grant, so ask the lender to model a few scenarios before settling on a price range.
Contact a participating lender such as GECU or Guardian Mortgage, ask for Welcome Home pricing, and get pre-approved under the income limit. Then check your eligibility and read the first-time buyer steps.
County guides for the area it serves: El Paso County.
Up to 5% of the loan amount.
Through a participating lender, such as GECU or Guardian Mortgage.
$90,100 for 1 to 2 people and $103,615 for 3 or more.
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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