Assistance grant
Galveston First Time Homebuyers Program
First-time homebuyers · Income limits · Single-family
Down payment assistance · Galveston County
Buying a home in Galveston, TX
1 Galveston program, 1 county program and 50 statewide.Galveston has 1 program of its own, 1 more across Galveston County, 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 Galveston addresses
Galveston’s own program
Anywhere in GalvestonAnywhere in Galveston County
1 county program1 county program a Galveston homebuyer can also use
2 more programs are for homes in Texas City. See them 2 programs in neighboring cities — for homes inside those cities, not Galveston
- Texas City — First Time Homebuyer's Program
- Texas City — Texas City First Time Homebuyers Program
The Galveston marketThe Galveston housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Galveston
- 56.3% single-familysingle-family
- 2.1% townhousetownhouse
- 10.5% 2–4 units2–4 units
- 30.6% 5+ unitscondo & apartment buildings (5+ units)
- 0.5% mobile & othermobile home & other
About condos. None of Galveston’s 2 local and county programs list condos as eligible. Galveston First Time Homebuyers Program lists single-family. Galveston County Down Payment Assistance lists single-family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Galveston’s homes were built
pre-19401970s2020+
61.1%
of Galveston 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.
$104,000
County area median income, 4 people (HUD)HUD area median income, Galveston County, 4-person household (2026)
$55,631
Galveston median household incomeMedian household income in Galveston (Census, 2024)
23 of the 114 programs here set their income limit as a share of Galveston County’s area median income, adjusted for household size. See the published limits for Galveston County
Free help nearbyFree help near Galveston
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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Across Texas and nationwide
112 statewide & federal programs50 statewide programs, plus federal options
Galveston questions
Does Galveston have its own down payment program?
Yes, one: Galveston First Time Homebuyers Program, a assistance grant for first-time homebuyers (forgiven over 5 yrs, income limits). It is for homes inside Galveston.
Can I use assistance on a condo in Galveston?
None of Galveston’s 2 local and county programs list condos as eligible. Galveston First Time Homebuyers Program lists single-family. Galveston County Down Payment Assistance 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 Galveston County?
Each program sets its own. 23 of the programs here set theirs as a share of HUD’s area median income for Galveston 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 Galveston?
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
77550 · 77551 · 77552 · 77553 · 77554 · 77555
Nearby in Galveston
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.