Down payment assistance · Hunt County
Buying a home in Commerce, TX
50 statewide.Commerce has no program of its own, and 50 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
What’s local to Commerce
No program of Commerce’s own yet
No program run for Commerce or for Hunt County alone is listed. A home in Commerce can use the Texas statewide and federal programs below.
The closest city that runs its own program is McKinney, about 41 miles away. City programs usually require the home to be inside that city’s limits.
The Commerce marketThe Commerce housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Commerce
- 50.4% single-familysingle-family
- 2.7% townhousetownhouse
- 12.3% 2–4 units2–4 units
- 29.6% 5+ unitscondo & apartment buildings (5+ units)
- 5% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Commerce’s homes were built
58.3%
of Commerce 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.
22 of the 112 programs here set their income limit as a share of Hunt County’s area median income, adjusted for household size. See the published limits for Hunt County
Free help nearbyFree help near Commerce
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Create a free account to see who’s near you and pick one.A HUD-approved counselor teaches homebuyer classes and can walk you through your options. Create a free account to see who’s near you and pick one.
Free account → 90-second match → your counselors · Sign in
Across Texas and nationwide
112 statewide & federal programs50 statewide programs, plus federal options
Commerce questions
Does Commerce have its own down payment program?
No program run for Commerce alone is listed. A home in Commerce can use the 50 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Commerce?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Hunt County?
Each program sets its own. 22 of the programs here set theirs as a share of HUD’s area median income for Hunt 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 Commerce?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
75428 · 75429
Nearby in Hunt
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.