Status as of November 2026
Texas down payment program status board
The state of Texas homebuyer help today: 33 programs on our watch list, how many are open, which are low on money, and the biggest ones still accepting buyers.
13open today
14money can run out
1on a waitlist
5closed for now
The biggest programs still accepting buyers
| Program | Where | How much |
|---|---|---|
| Texas Veterans Land Board Veterans Housing Assistance Program (VHAP) | Texas | Fixed-rate first-lien home loan up to $832,750 (15-30 years); discounted rate for 30%+ VA disability |
| Houston Community Land Trust - Homebuyer Choice Program | City of Houston | Up to $150,000 in financial assistance grants |
| Harvey Homebuyer Assistance Program 2.0 (HbAP 2.0) | City of Houston | Up to $125,000 (down payment, closing costs, principal and rate reduction) |
| Dallas Homebuyer Assistance Program (DHAP) | City of Dallas | Up to $60,000 in High Opportunity Areas; up to $50,000 elsewhere (based on need) |
| Dallas Anti-Displacement Homebuyer Assistance Program | City of Dallas (designated targeted areas) | Up to $50,000 (based on need) |
| Tarrant County Homebuyer Assistance Program (TCHBA) | Tarrant County outside Fort Worth, Arlington and Grand Prairie | Up to $50,000 (down payment, closing costs, principal reduction) |
| Texas Bootstrap Loan Program | Texas | Up to $45,000 per household at 0% for up to 30 years |
| City of Austin Down Payment Assistance (DPA) | City of Austin (full-purpose city limits) | Up to $40,000 |
Sorted by the top dollar figure each program publishes. Programs paid as a percentage can come out higher on pricier homes.
Closed, waitlisted or running low
You can't count on these to take an application today. Sign up and we'll tell you when one opens back up.
| Program | Status | Alert |
|---|---|---|
| TDHCA Texas Mortgage Credit Certificate | Money can run out | |
| TDHCA + local Housing Finance Corporation partnerships (gift funds) | Money can run out | |
| Texas Bootstrap Loan Program | Money can run out | |
| Houston Homebuyer Assistance Program (HAP) | Not taking applications | |
| Harvey Homebuyer Assistance Program 2.0 (HbAP 2.0) | Waitlist | |
| Harris County Down Payment Assistance Program (DAP) | Not taking applications | |
| Harris County HFC gift funds with TDHCA | Money can run out | |
| Dallas Homebuyer Assistance Program (DHAP) | Money can run out | |
| Dallas Anti-Displacement Homebuyer Assistance Program | Money can run out | |
| Fort Worth Homebuyer Assistance Program (HAP) | Money can run out | |
| Tarrant County Homebuyer Assistance Program (TCHBA) | Money can run out | |
| Arlington Homebuyer Assistance Program (AHAP) | Not taking applications | |
| San Antonio Homeownership Incentive Program (HIP 80) | Money can run out | |
| San Antonio Homeownership Incentive Program (HIP 120) | Money can run out | |
| McKinney First-Time Homebuyer Assistance | Money can run out | |
| McKinney HFC gift funds with TDHCA | Money can run out | |
| City of Denton Homebuyer Assistance Program (HAP) | Not taking applications | |
| San Antonio First Responders Homebuyer Assistance Program (FRHAP) | Money can run out | |
| San Antonio Homeownership Program for Employees (HOPE) | Money can run out | |
| Dallas Targeted Occupations Homebuyer Assistance Program | Not taking applications |
What form the help takes
| Kind of help | Programs |
|---|---|
| Loan that is forgiven over time | 14 |
| Grant, nothing to repay | 7 |
| Loan due when you sell or refinance | 5 |
| Federal tax credit | 2 |
| Rate discount | 1 |
| Loan with a monthly payment | 1 |
| Other | 1 |
| shared equity | 1 |
Most Texas help comes as a loan, not free money. A forgivable loan goes away if you stay put long enough. A deferred loan comes due when you sell or refinance. Work out what you'd owe if you sell early.
