Down payment assistance · Bell County
Buying a home in Harker Heights, TX
50 statewide.Harker Heights has no program 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.
What’s local to Harker Heights
No program of Harker Heights’s own yet
No program run for Harker Heights or for Bell County alone is listed. A home in Harker Heights can use the Texas statewide and federal programs below.
The closest city that runs its own program is Waco, about 44 miles away. City programs usually require the home to be inside that city’s limits.
The Harker Heights marketThe Harker Heights housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Harker Heights
- 67.1% single-familysingle-family
- 2.7% townhousetownhouse
- 14.9% 2–4 units2–4 units
- 7% 5+ unitscondo & apartment buildings (5+ units)
- 8.3% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Harker Heights’s homes were built
20.8%
of Harker Heights 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.
22 of the 112 programs here set their income limit as a share of Bell County’s area median income, adjusted for household size. See the published limits for Bell County
Free help nearbyFree help near Harker Heights
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Create a free account to see who’s near you and pick one.A HUD-approved counselor teaches homebuyer classes and can walk you through your options. Create a free account to see who’s near you and pick one.
Free account → 90-second match → your counselors · Sign in
Across Texas and nationwide
112 statewide & federal programs50 statewide programs, plus federal options
Harker Heights questions
Does Harker Heights have its own down payment program?
No program run for Harker Heights alone is listed. A home in Harker Heights can use the 50 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Harker Heights?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Bell County?
Each program sets its own. 22 of the programs here set theirs as a share of HUD’s area median income for Bell 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 Harker Heights?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Harker Heights. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
76548
Nearby in Bell
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.