Forgivable loan
El Paso First-Time Homebuyer Program
First-time homebuyers · Income limits · Single Family · Condo · 2-4 Unit
Down payment assistance · El Paso County
Buying a home in El Paso, TX
3 El Paso programs and 50 statewide.El Paso has 3 programs 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.
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Only for El Paso addresses
El Paso’s own programs
Assistance grant
El Paso Housing Finance Corporation Mi Casa Grant Program
First-time homebuyers · New construction · Income limits · Single-family
Assistance grant
El Paso Housing Finance Corporation Welcome Home El Paso Grant
First-time homebuyers · New construction · Income limits · Single-family
The El Paso marketThe El Paso housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in El Paso
- 67% single-familysingle-family
- 3.4% townhousetownhouse
- 7.6% 2–4 units2–4 units
- 18.8% 5+ unitscondo & apartment buildings (5+ units)
- 3.1% mobile & othermobile home & other
Condos count. 1 of El Paso’s 3 local and county programs accept condos. El Paso Housing Finance Corporation Mi Casa Grant Program lists single-family. El Paso Housing Finance Corporation Welcome Home El Paso Grant lists single-family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When El Paso’s homes were built
pre-19401970s2020+
44.1%
of El Paso 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.
$73,400
County area median income, 4 people (HUD)HUD area median income, El Paso County, 4-person household (2026)
$59,745
El Paso median household incomeMedian household income in El Paso (Census, 2024)
23 of the 115 programs here set their income limit as a share of El Paso County’s area median income, adjusted for household size. See the published limits for El Paso County
Free help nearbyFree help near El Paso
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 3 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
El Paso questions
Does El Paso have its own down payment program?
Yes, 3: El Paso First-Time Homebuyer Program, El Paso Housing Finance Corporation Mi Casa Grant Program and El Paso Housing Finance Corporation Welcome Home El Paso Grant. Each is for homes inside El Paso.
Can I use assistance on a condo in El Paso?
1 of El Paso’s 3 local and county programs accept condos. El Paso Housing Finance Corporation Mi Casa Grant Program lists single-family. El Paso Housing Finance Corporation Welcome Home El Paso Grant lists single-family. 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 El Paso County?
Each program sets its own. 23 of the programs here set theirs as a share of HUD’s area median income for El Paso 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 El Paso?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of El Paso. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
79901 · 79902 · 79903 · 79904 · 79905 · 79906 · 79907 · 79908 · 79910 · 79911 · 79912 · 79913 · 79914 · 79915 · 79916 · 79917 · 79918 · 79920 · 79922 · 79923 · 79924 · 79925 · 79926 · 79927 · 79928 · 79929 · 79930 · 79931 · 79932 · 79934 · 79935 · 79936 · 79937 · 79938 · 79940 · 79941 · 79942 · 79943 · 79944 · 79945 · 79946 · 79947 · 79948 · 79949 · 79950 · 79951 · 79952 · 79953 · 79954 · 79955 · 79958 · 79960 · 79961 · 79966 · 79968 · 79973 · 79974 · 79975 · 79976 · 79977 · 79978 · 79980 · 79982 · 79983 · 79984 · 79985 · 79986 · 79987 · 79988 · 79989 · 79990 · 79991 · 79992 · 79993 · 79994 · 79995 · 79996 · 79997 · 79998 · 79999 · 88510 · 88511 · 88512 · 88513 · 88514 · 88515 · 88516 · 88517 · 88518 · 88519 · 88520 · 88521 · 88523 · 88524 · 88525 · 88526 · 88527 · 88528 · 88529 · 88530 · 88531 · 88532 · 88533 · 88534 · 88535 · 88536 · 88538 · 88539 · 88540 · 88541 · 88542 · 88543 · 88544 · 88545 · 88546 · 88547 · 88548 · 88549 · 88550 · 88553 · 88554 · 88555 · 88556 · 88557 · 88558 · 88559 · 88560 · 88561 · 88562 · 88563 · 88565 · 88566 · 88567 · 88568 · 88569 · 88570 · 88571 · 88572 · 88573 · 88574 · 88575 · 88576 · 88577 · 88578 · 88579 · 88580 · 88581 · 88582 · 88583 · 88584 · 88585 · 88586 · 88587 · 88588 · 88589 · 88590 · 88595
Nearby in El Paso
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.