Collin County First-Time Homebuyer Program
Deferred second loan · New construction
Single-family
See details Jul 2026
Down payment assistance · Texas
Buying a home in Collin County, TX
1 county-wide program, 3 cities with their own, plus 41 statewide and 62 nationwide.Collin has 1 program that covers the whole county and 3 cities with a program of their own. On top of those, 41 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
Free · No credit pull · No SSN
Anywhere in CollinAnywhere in Collin County
1 program for every Collin address1 program that covers every Collin address
It is for first-time homebuyers.This is run for the whole county, so a home in Plano, McKinney or Frisco can use it. It is for first-time homebuyers.
Only inside city limits
3 cities with their own program3 Collin cities with their own program
For a home inside that city, on top of the county-wide 1.A city program is for a home inside that city. Buying there? It sits on top of the 1 county-wide program above.
FriscoCity page Frisco Down Payment Assistance ProgramTargeted Down Payment Assistance ProgramMcKinneyCity page McKinney Housing Finance Corporation + TDHCA Partnership DPAPlanoCity page Plano First-Time Homebuyers Assistance ProgramFirst Time Homebuyers Assistance and Educational Program (FTHB) - CDBGFirst Time Homebuyers Assistance and Educational Program (FTHB) - HOME
The Collin marketThe Collin housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Collin
- 67.7% single-familysingle-family
- 2.7% townhousetownhouse
- 2.7% 2–4 units2–4 units
- 25.2% 5+ unitscondo & apartment buildings (5+ units)
- 1.7% mobile & othermobile home & other
Condos count. 0 of the 1 county-wide program and 5 of the 6 city programs list condos as eligible. Collin County First-Time Homebuyer Program lists single-family. McKinney Housing Finance Corporation + TDHCA Partnership DPA lists single-family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Collin’s homes were built
pre-19401970s2020+
10.4%
of Collin 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.
$121,100
HUD area median income, 4 people (FY2026)HUD area median income, Collin County, 4-person household (FY2026)
$121,600
Median household income (ACS 2024 5-year)Median household income in Collin (Census ACS 2024 5-year)
64.5%
of occupied homes are owner-occupied (Texas: 62.6%)
The two income figures measure different things. HUD’s area median income is the one programs use. 23 of the 110 programs here set their income limit as a share of Collin County’s area median income, adjusted for household size. See the published limits for Collin County
Free help in CollinFree help in Collin
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
5 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.5 of the 7 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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Collin questions
Can I use a county program anywhere in Collin?
The 1 county-wide program cover homes anywhere in the county. City programs, like Frisco’s and McKinney’s, are only for homes inside that city’s limits. Each agency sets its own rules, so confirm on the program’s official site.
Can I combine a county program with a city program?
Sometimes. Combining ("stacking") programs is set by each administering agency, and some do not allow a second program on the same home. Each program’s page links to the agency that can say.
What is the area median income in Collin County?
HUD publishes it once a year; the 2026 four-person figure is shown above. Programs set their limits as a share of it, adjusted for household size, and the published limits page lists each one.
Do Collin programs accept condos?
0 of the 1 county-wide program and 5 of the 6 city programs list condos as eligible. Collin County First-Time Homebuyer Program lists single-family. McKinney Housing Finance Corporation + TDHCA Partnership DPA lists single-family. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Collin?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
Keep exploring
Sources
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), tables B01003, B25077, B25003, B25024, B25034, B25035, B19013. Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.