Down payment assistance · Texas
Buying a home in Smith County, TX
1 city with their own, plus 41 statewide and 62 nationwide.Smith has no program that covers the whole county and 1 city 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
Only inside city limits
1 city with their own program1 Smith city with their own program
For a home inside that city.A city program is for a home inside that city.
The Smith marketThe Smith housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Smith
- 67.9% single-familysingle-family
- 2.9% townhousetownhouse
- 5.7% 2–4 units2–4 units
- 12.6% 5+ unitscondo & apartment buildings (5+ units)
- 11% mobile & othermobile home & other
Condos count. 1 of the 2 city programs list condos as eligible. Tyler First Time Homebuyers Program lists single-family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Smith’s homes were built
41.5%
of Smith 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.
The two income figures measure different things. HUD’s area median income is the one programs use. 20 of the 105 programs here set their income limit as a share of Smith County’s area median income, adjusted for household size. See the published limits for Smith County
Free help in SmithFree help in Smith
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 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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Smith questions
Can I use a county program anywhere in Smith?
No program here is listed as covering all of Smith County. City programs, like Tyler’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 Smith 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 Smith programs accept condos?
1 of the 2 city programs list condos as eligible. Tyler First Time Homebuyers Program lists single-family. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Smith?
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.