Homes for Texas Heroes · Galveston County
Buying your first home in Galveston County, Texas
Galveston County, with about 372,000 residents and the city of Galveston as its seat, falls in TDHCA's Houston area, and its heroes can get up to 5% of their loan.
The local picture
League City, Texas City, Galveston, the Galveston County part of Friendswood and Dickinson are the main local markets. Galveston ISD, Texas City ISD, Dickinson ISD and the Galveston County part of Clear Creek ISD employ eligible full-time educators.
Galveston County Sheriff's Office deputies and League City and Galveston police officers qualify with a TCOLE license. Galveston Fire Department firefighters qualify through TCFP certification.
Galveston County has targeted census tracts on TDHCA's list, which can raise TDHCA limits there. Separately, TSAHC waives the MCC's first-time rule for targeted-area purchases; your lender checks the address.
Income and price limits in Galveston County
TSAHC's Houston-metro Heroes figure is $176,800, and a lender confirms the exact limit for Galveston County; TDHCA's Houston-area limits are $104,000 for 1-2 people and $119,600 for 3+, with a $566,354 price limit outside targeted tracts. Statewide limits · What can I afford?
Local money in Galveston County
We found no program run just for Galveston County right now. The statewide options still apply, and the full Texas list has them.
Buyer classes near Galveston County
Budget a few hours for a buyer class before closing, because almost every program requires it. These HUD-approved agencies around Galveston County teach the class or sit down with buyers one on one:
| Agency | Town | Miles away | Offers | Languages | How |
|---|---|---|---|---|---|
| Tejano Center for Community Concerns | Pasadena | 23 | Buyer class, One-on-one prep | English, Spanish | In person, By phone, Online |
| Keystone Community Development Corporation | Deer Park | 23 | Buyer class, One-on-one prep | English | In person, By phone, Online |
| Houston Area Urban League | Houston | 30 | 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.
Local employers whose staff can qualify
- Clear Creek ISD (part)
- Galveston ISD
- Texas City ISD
- Dickinson ISD
- Galveston County Sheriff's Office
- League City Police Department
- Galveston Police Department
- Galveston Fire Department
Galveston, Texas City, Dickinson and Clear Creek ISD staff, sheriff's deputies, League City and Galveston police and Galveston firefighters are the local pool. The full list of eligible jobs.
Questions from Galveston County buyers
Can I buy a condo on Galveston Island?
Condos can qualify if the home is your primary residence. Your lender confirms the property meets loan guidelines.
What does a targeted tract change?
Targeted areas waive the MCC's first-time buyer rule, and TDHCA uses higher limits there. Your lender can check a specific address.
What credit score do I need?
At least 620 for a government loan or 640 for conventional.
Nearby county guides: Harris County, Dallas County, Tarrant County, Bexar County, Travis County, Collin County, Denton County, Fort Bend County. See them all.
