Forgivable loan
Austin Down Payment Assistance Program
First-time homebuyers · Income limits · Single Family · Condo
Down payment assistance · Travis County
Buying a home in Austin, TX
4 Austin programs, 1 county program and 50 statewide.Austin has 4 programs of its own, 1 more across Travis County, and 50 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Austin addresses
Austin’s own programs
Assistance grant
Austin Habitat for Humanity Homeownership Program
First-time homebuyers · New construction · Income limits · Single-family
Deferred second loan
Austin Habitat New Home Construction Program
First-time homebuyers · New construction · Income limits · Newly constructed single-family detached homes built by Austin Habitat for Humanity.
Assistance grant
Frameworks CDC Homebuyer Program
First-time homebuyers · New construction · Single-family
Anywhere in TravisAnywhere in Travis County
1 county program1 county program a Austin homebuyer can also use
The Austin marketThe Austin housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Austin
- 43.4% single-familysingle-family
- 5.1% townhousetownhouse
- 6.9% 2–4 units2–4 units
- 43.3% 5+ unitscondo & apartment buildings (5+ units)
- 1.3% mobile & othermobile home & other
Condos count. 2 of Austin’s 5 local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Austin’s homes were built
pre-19401970s2020+
28.3%
of Austin homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$134,400
County area median income, 4 people (HUD)HUD area median income, Travis County, 4-person household (2026)
$93,658
Austin median household incomeMedian household income in Austin (Census, 2024)
26 of the 117 programs here set their income limit as a share of Travis County’s area median income, adjusted for household size. See the published limits for Travis County
Free help nearbyFree help near Austin
3 HUD-approved counseling agencies within 15 miles3 HUD-approved housing counseling agencies within 15 miles
5 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 5 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Texas and nationwide
112 statewide & federal programs50 statewide programs, plus federal options
Austin questions
Does Austin have its own down payment program?
Yes, 4: Austin Down Payment Assistance Program, Austin Habitat for Humanity Homeownership Program, Austin Habitat New Home Construction Program and Frameworks CDC Homebuyer Program. Each is for homes inside Austin.
Can I use assistance on a condo in Austin?
2 of Austin’s 5 local and county programs accept condos. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Travis County?
Each program sets its own. 26 of the programs here set theirs as a share of HUD’s area median income for Travis County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Austin?
HUD-approved housing counseling agencies teach homebuyer classes, and 3 agencies are within 15 miles of Austin. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
73301 · 73344 · 78701 · 78702 · 78703 · 78704 · 78705 · 78708 · 78709 · 78710 · 78711 · 78712 · 78713 · 78714 · 78715 · 78716 · 78717 · 78718 · 78719 · 78720 · 78721 · 78722 · 78723 · 78724 · 78725 · 78726 · 78727 · 78728 · 78729 · 78730 · 78731 · 78732 · 78733 · 78734 · 78735 · 78736 · 78737 · 78738 · 78739 · 78741 · 78742 · 78744 · 78745 · 78746 · 78747 · 78748 · 78749 · 78750 · 78751 · 78752 · 78753 · 78754 · 78755 · 78756 · 78757 · 78758 · 78759 · 78760 · 78761 · 78762 · 78763 · 78764 · 78765 · 78766 · 78767 · 78768 · 78769 · 78772 · 78773 · 78774 · 78778 · 78779 · 78780 · 78781 · 78783 · 78785 · 78786 · 78788 · 78789 · 78799
Nearby in Travis
Sources
Sources: agency sites (July–August 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (July–August 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.