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 funds deferred loans of up to $60,000 through DHAP, now administered by BCL of Texas, with a separate track for long-time residents.
Which Dallas city programs still have money?
The Dallas Homebuyer Assistance Program (DHAP) moved to Business and Community Lenders of Texas on May 1, 2026. It offers up to $60,000 in High Opportunity Areas and up to $50,000 elsewhere, based on need, for buyers at or under 80% AMI (about $96,900 for a family of four) purchasing inside city limits. The price cap is $342,000 for existing or new homes. You need a DHAP-approved lender and DHAP homebuyer education, your housing payment can't exceed 35% of gross income, and the home must appraise at 100% of price. BCL says funding is subject to availability.
The Anti-Displacement Homebuyer Assistance Program is aimed at people who have lived in Dallas at least 10 years. It reaches up to 120% AMI (about $145,320 for four), has no sales price limit, and some of its money is limited to designated targeted areas. The Targeted Occupations extension, which gave educators, librarians, healthcare workers, police and firefighters earning 80-120% AMI up to $50,000, is closed: the city says that funding has been spent.
With the occupation track gone, Dallas ISD, Richardson ISD and Garland ISD teachers, Dallas police officers and Dallas Fire-Rescue members should look at Homes for Texas Heroes instead; the Dallas-metro income ceiling is far higher than DHAP's. TDHCA My First Texas Home and Home Sweet Texas cover everyone else. See the Dallas County guide for county-level context, or start the eligibility check. Because DHAP is a deferred loan rather than a grant, ask BCL of Texas for the repayment terms in the current program manual before you commit, since those details were not confirmed on the pages we reviewed.
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
Budget a few hours for a buyer class before closing, because almost every program requires it. These HUD-approved agencies around Dallas County teach the class or sit down with buyers one on one:
Agency
Town
Miles away
Offers
Languages
How
Dallas County Home Loan Counseling Center
Dallas
4
Buyer class, One-on-one prep
English
By phone
Dallas Area Habitat for Humanity
Dallas
4
Buyer class, One-on-one prep
English, Spanish
In person, By phone
Transformance Dba Services of Hope Entities
Dallas
5
Buyer class, One-on-one prep
English
By phone
Pulled from HUD's list of approved counseling agencies. A class that one program accepts may not count for another.
Which class counts? Your lender keeps the list of approved courses for each Texas program, and can open your pre-approval during the same conversation. Start the eligibility check
Questions from Dallas buyers
How much is Dallas DHAP?
Up to $60,000 in High Opportunity Areas and up to $50,000 elsewhere, based on need, for buyers at or under 80% AMI buying a home priced at $342,000 or less.
Who runs DHAP now?
Business and Community Lenders of Texas (BCL of Texas) has administered DHAP for the City of Dallas since May 1, 2026.
Is the Dallas Targeted Occupations program still available?
No. The city says all funding for that extension has been expended. Teachers and first responders can check Homes for Texas Heroes instead.
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.
