If you are a resident of Texas looking to buy your first home, there is some good news. There are a variety of incentives and programs available to you through the Texas Housing Trust Fund. The agency has the HTF Homebuyer Assistance (HBA) Program, which provides eligible borrowers with up to $10,000 in the form of a zero percent interest loan for down payment and closing cost assistance for the acquisition of a single family home that must be used as a principal residence. The program will serve whose annual income does not exceed 80% of the Area Median Family Income. It will be well worth your time to educate yourself about the grant programs that the State of Texas provides.
Texas First Time Home Buyer Grants
The agency in Texas that provides down payment assistance as well as various other programs is the Texas Department of Housing and Community Affairs. When the programs has funds available, you can get a cash grant of up to $10,000 to be used for down payment and closing costs. To find out more info about this grant program and when funding will be renewed, please visit the Texas Department of Housing and Community Affairs website page specifically describing all the available programs. You can find it at this link.
The HTF Homebuyer Assistance (HBA) Program provides eligible borrowers with up to $10,000 in the form of a zero percent interest loan for down payment and closing cost assistance for the acquisition of a single family home that must be used as a principal residence. The program will serve to those whose annual income does not exceed 80% of the Area Median Family Income.
Here is the contact information for the Texas Department of Housing and Community Affairs:
TDHCA
221 East 11th Street
Austin, Texas 78701-2410
Phone: (512) 475-3800
Federal First Time Home Buyer Grants
Besides the state programs, there are federal funds and several grants available to the buyers in Texas through the Homes and Communities program of the United States Department of Housing and Urban Development. On their website you’ll find complete grant information, application forms, description of available funds, as well as many other helpful tools. For more information, visit this page.
Other Programs in Texas
In addition to the grant programs described above, the U.S. Department of Housing and Urban Development provides home buyer assistance and other programs in every state. There are multiple programs designed specifically for people that meet certain requirements, such as grants for people with disabilities so they can continue to live independently at home. It is worth visiting HUD’s website to see what assistance is currently available. For your convenience, simply go to this link.
Here is the contact information for the HUD office in Texas:
Dallas Field Office
A. Maceo Federal Office Building
525 Griffin Street
Suite 860
Dallas, TX 75202-5032
Phone: (214) 767-8300
Fax: (214) 767-8973
There are also these local programs:
Abilene First Time Home Buyers (FTHB) Program (915) 676-6363
Arlington Homebuyers Assistance Program (AHAP) This contract is managed by Hunter and Hunter on behalf of the the City of Arlington. 866-231-5843
Athens Homebuyer Assistance Program (HAP) (903) 677-6610
Austin Housing Finance Corporation Home Down payment Assistance Program (HDPA) (512) 499-3149
Brazoria County First Time Homebuyer Program (979) 864-1860
Bryan Down Payment Assistance Program (DA) (979) 209-5183
College Station Down payment Assistance Program (979) 764-3810
Corpus Christi Home Buyer Program (HBP) (361) 880-3010
Corpus Christi New Construction Homebuyer Program (NCP) (361) 880-3010
Dallas County Upfront Cost Assistance (UPCAP) Program (214) 819-6060
Dallas Mortgage Assistance Program (MAP) (214) 651-7789
Dallas Piedmont/Seyene Housing Trust Fund Homeowner Assistance Plan (214) 943-9007
Denton Homebuyer Assistance Program (HAP) (940) 349-7726
El Paso Housing Assistance Program (HAP) (915) 541-4888
CIty of Fort Worth Assistance Programs (817) 392-7328
Garland NU STAR Infill Program (INFILL) (972) 205-3321
Garland Village of Eastgate Homebuyer Assistance Program (HAP)
Greenville Homebuyer Assistance Program (HAP) (903) 457-3160
Harlingen Community Development Corporation Homebuyers Program (HP) (956) 421-2351
Harris County HACH Public Housing Homeownership Program (PHHP) (713) 260-0763
Harris County Mortgage Assistance Program (MAP) (713) 578-2000
Harris County/Houston City-Homebuyer Assistance Program (HAP) (713) 644-8488
Hidalgo County Homebuyer Assistance Program (HAP) (956) 318-2619
Houston Alliance for Multicultural Community Services The Alliance IDA Program (IDA) (713) 776-4700
Houston Covenant Community Capital Corporation Smart Savings Program (SSP) (713) 223-1864
Laredo First Time Homebuyer Down payment Assistance Program (FTHB) (956) 795-2675
Lubbock Down Payment & Closing Cost (DP/CC) Assistance Program (806) 745-9559
Marshall First Time Homebuyer Down payment and Closing Cost Program (FTHB) (903) 935-4457
McLennan County Neighborhood Housing Services of Waco, Inc. Down payment Assistance Program (DAP) (254) 752-1647
Midland Neighborhood Housing Services Down Payment Assistance Program (DPAP) – NCR/Option 2 (915) 687-6647
Midland Neighborhood Housing Services Down Payment Assistance Programs (DPAP) – HIP/Option 1 (915) 687-6647
Multi Counties Lubbock Housing Finance Corporation Welcome Home Gift Program (GIFT) (806) 745-9559
Multi Counties Southeast Texas Finance Corporation First Time Homebuyer Assistance Program (FTHP) (281) 484-4663
New Braunfels Homebuyer Assistance Program (HAP) (830) 608-2100
Nueces County Community Action Agency Program (361) 883-7201
Pasadena First Time Homebuyer Assistance Program – SETH (281) 484-4663
Plano Program (FTHB) (972) 941-7665
Round Rock Home Ownership Assistance Program (HOAP) (512) 341-3320
San Antonio Homeownership Incentive Program (HIP) (210) 225-6833
San Antonio Our Casas Leverage Loan Program (LLP) (210) 225-6833
San Benito HOME Investment Partnership Program (HIPP) (512) 475-1391
Sherman Closing Cost Grant Program (FHCCP) (903) 892-7227
Tarrant County Housing Partnership Inc Homebuyer Assistance Program (HAP) (817) 924-5091
Temple Affordable Housing Program (AHP) (254) 298-5670
Temple Homeownership Program (HOP) (254) 773-2009
Terrell Program (FTHP) (972) 551-6670
Texas City First Time Homebuyer Assistance Program (FTHB) (409) 643-5730
Texas United Cerebral Palsy of Texas Home of Your Own (HOYO) Grants (HBA) (512) 472-8696
Val Verde County Del Rio Housing Authority Homebuyer Assistance Program (HAP) (830) 774-6506
Victoria Mortgage Assistance Program (MAP) (361) 572-2795
Waco New/Acquisition Housing Loan Program (HLP) (254) 750-5629
Webb County Laredo-Webb NHS Home Ownership Pilot Program (HOP) (956) 712-9100
Wichita Falls First-Time Homebuyers Program (FTHP) (940) 761-7454
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