ASSISTANCE PROGRAMS
Programs for First-Time Homebuyers
Discover local and statewide programs offering down payment assistance, grants, and low-interest mortgages to help you achieve homeownership in the Greater Houston area and across Texas.
City of Houston: Homebuyer Assistance Program (HAP)
This program is for low-to-moderate-income buyers purchasing within Houston city limits.
Harvey Homebuyer Assistance Program (HbAP 2.0)
Specifically for those who lived in Houston during Hurricane Harvey and were impacted by the storm.
Harris County: Down Payment Assistance Program (DAP)
For homes located in the unincorporated areas of Harris County (outside Houston city limits).
TSAHC: "Homes for Texas Heroes" & "Home Sweet Texas"
Statewide programs offering grants or forgivable loans for down payments.
TDHCA: "My First Texas Home"
A statewide program that provides 30-year low-interest mortgages and down payment assistance.
WHAT TO DO NEXT
Next Steps for All Programs
Check Eligibility
Most of these sites have a "Self-Assessment" or "Eligibility Quiz" to see if you meet the income and credit requirements.
HUD-Approved Housing Education
You can find a list of HUD-approved housing counseling agencies required for these programs via HUD.gov.
Find HUD CounselorsNeed Help Navigating These Programs?
As a veteran-focused Realtor, Richard can guide you through the application process and connect you with the right lenders for each program.