Dallas County UPCAP Program
Assistance grant · Forgiven over 5 yrs · Income limit 80% of AMI
Single-family
See details Aug 2026
Down payment assistance · Texas
Buying a home in Dallas County, TX
2 county-wide programs, 4 cities with their own, plus 41 statewide and 62 nationwide.Dallas has 2 programs that cover the whole county and 4 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 DallasAnywhere in Dallas County
2 programs for every Dallas address2 programs that cover every Dallas address
All 2 are for first-time homebuyers and ask for a homebuyer class.These are run for the whole county, so a home in Dallas, Irving or Grand Prairie can use them. All 2 are for first-time homebuyers and ask for a homebuyer class.
Upfront Cost Assistance Program (UPCAP)
Forgivable loan · Forgiven over 5 yrs · Income limit 80% of AMI
Single-family detached, condominium, townhouse, PUD. Must be primary residence.
See details Jun 2026
AMI is HUD’s area median income for Dallas, adjusted for household size. Each program publishes its own dollar limits.
Only inside city limits
4 cities with their own program4 Dallas cities with their own program
For a home inside that city, on top of the county-wide 2.A city program is for a home inside that city. Buying there? It sits on top of the 2 county-wide programs above.
DallasCity page Dallas Homebuyer AssistanceDallas Anti-Displacement Program (DHAP 10)Dallas Area Habitat for Humanity Down Payment AssistanceGrand PrairieCity page Grand Prairie Buying Power ProgramIrvingCity page Irving Down Payment Assistance ProgramHomebuyer Down Payment Assistance ProgramMesquiteCity page Mesquite Down Payment Assistance Program
The Dallas marketThe Dallas housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Dallas
- 51.6% single-familysingle-family
- 4% townhousetownhouse
- 5.9% 2–4 units2–4 units
- 36.8% 5+ unitscondo & apartment buildings (5+ units)
- 1.7% mobile & othermobile home & other
Condos count. 1 of the 2 county-wide programs list condos as eligible. Dallas County UPCAP Program lists single-family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Dallas’s homes were built
pre-19401970s2020+
44.9%
of Dallas 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, Dallas County, 4-person household (FY2026)
$76,547
Median household income (ACS 2024 5-year)Median household income in Dallas (Census ACS 2024 5-year)
50.8%
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. 25 of the 112 programs here set their income limit as a share of Dallas County’s area median income, adjusted for household size. See the published limits for Dallas County
Free help in DallasFree help in Dallas
8 HUD-approved counseling agencies with an office in the county8 HUD-approved housing counseling agencies with an office in Dallas County
7 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.7 of the 9 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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Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Dallas County.
26 cities and placesA to Z
All cities in Dallas CountyAll 26 cities and places in Dallas County
has a program of its own
Dallas questions
Can I use a county program anywhere in Dallas?
The 2 county-wide programs cover homes anywhere in the county. City programs, like Dallas’s and Grand Prairie’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 Dallas 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 Dallas programs accept condos?
1 of the 2 county-wide programs list condos as eligible. Dallas County UPCAP Program lists single-family. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Dallas?
HUD-approved housing counseling agencies teach homebuyer classes, and 8 agencies have an office in Dallas County. 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 (June–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.