Denton, TX
The City of Denton's homebuyer program is out of money for now, so state programs are the main route for Denton buyers.
The City of Denton Homebuyer Assistance Program, run by Community Services, offered low- and moderate-income first-time buyers a 0% loan forgiven over 5 to 15 years. The city says the program has expended all of its funds and is not currently accepting applications. No reopening date was posted when we checked, and award amounts and income limits weren't listed on the city's page.
That shifts Denton buyers to the statewide programs, all of which are open. TDHCA My First Texas Home offers a 30-year fixed mortgage with optional down payment help for first-time buyers; for Denton County, its income limit is $121,100 for a household of one or two, with a $589,596 price limit outside targeted areas. Home Sweet Texas from TSAHC gives up to 5% of the loan to low- and moderate-income buyers and isn't restricted to first-timers in every case. Veterans can also look at the Veterans Housing Assistance Program.
Denton has a large public workforce, which makes Homes for Texas Heroes worth checking first: Denton ISD and Lewisville ISD teachers, aides, counselors and nurses, Denton Police Department officers, Denton Fire Department firefighters and Denton County sheriff's deputies may qualify for up to 5% of the loan. Nursing and allied health faculty at Texas colleges can qualify too. Run the eligibility check, and see the Denton County guide for metro limits. We'll update this page if city funding returns. A lender approved for state bond programs can tell you which option leaves the most cash in your pocket.
City of Denton
City: program 'has expended all funds and is not currently accepting applications.'
Fact-checked November 2026 · our sources
Could I get this? →Buyers in Denton can also draw on 9 statewide programs, Homes for Texas Heroes among them. The full Texas list · Program matcher
County guide: Denton County.
Budget a few hours for a buyer class before closing, because almost every program requires it. These HUD-approved agencies around Denton County teach the class or sit down with buyers one on one:
| Agency | Town | Miles away | Offers | Languages | How |
|---|---|---|---|---|---|
| Transformance Dba Services of Hope Entities | Dallas | 32 | Buyer class, One-on-one prep | English | By phone |
| Dallas County Home Loan Counseling Center | Dallas | 33 | Buyer class, One-on-one prep | English | By phone |
| Dallas Area Habitat for Humanity | Dallas | 34 | Buyer class, One-on-one prep | English, Spanish | In person, By phone |
| Housing Channel | Fort Worth | 35 | Buyer class, One-on-one prep | English | By phone |
| Fort Worth Area Habitat for Humanity Inc | Fort Worth | 39 | Buyer class, One-on-one prep | English, Spanish | In person, By phone, Online |
Pulled from HUD's list of approved counseling agencies. A class that one program accepts may not count for another.
No. The city says the program has expended all funds and is not currently accepting applications.
For My First Texas Home, the income limit is $121,100 for a household of one or two, with a $589,596 price limit outside targeted areas.
Homes for Texas Heroes, which offers up to 5% of the loan for eligible teachers, peace officers, firefighters, EMS personnel and others.
We'll reach out when it reopens. Curious what you could qualify for right now?
Run the eligibility check
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.
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