Homebuyer Assistance (HBA) Program
Deferred second loan · New construction · Income limits
Down payment assistance · Cameron County
Buying a home in Laguna Heights, TX
1 county program and 50 statewide.Laguna Heights has no program of its own, 1 across Cameron 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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What’s local to Laguna Heights
No program of Laguna Heights’s own yet
No program run for Laguna Heights alone is listed. A home in Laguna Heights can use Cameron County’s programs below, plus the Texas statewide and federal ones.
The closest city that runs its own program is Brownsville, about 20 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in CameronAnywhere in Cameron County
1 county program1 county program a Laguna Heights homebuyer can use
1 more program is for homes in Brownsville. See them 1 program in neighboring cities — for homes inside those cities, not Laguna Heights
- Brownsville — Brownsville Down Payment Assistance Program
The Laguna Heights marketThe Laguna Heights housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Laguna Heights
- 79.5% single-familysingle-family
- 0% townhousetownhouse
- 0% 2–4 units2–4 units
- 0% 5+ unitscondo & apartment buildings (5+ units)
- 20.5% mobile & othermobile home & other
Condos count. Laguna Heights’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Laguna Heights’s homes were built
pre-19401970s2020+
34.1%
of Laguna 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.
$64,600
County area median income, 4 people (HUD)HUD area median income, Cameron County, 4-person household (2026)
23 of the 113 programs here set their income limit as a share of Cameron County’s area median income, adjusted for household size. See the published limits for Cameron County
Free help nearbyFree help near Laguna Heights
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Laguna Heights’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Homebuyer Assistance (HBA) Program asks 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
Laguna Heights questions
Does Laguna Heights have its own down payment program?
No program run for Laguna Heights alone is listed. A home in Laguna Heights can use the 1 program that cover Cameron County and the 50 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Laguna Heights?
Laguna Heights’s one local program accepts condos. 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 Cameron County?
Each program sets its own. 23 of the programs here set theirs as a share of HUD’s area median income for Cameron 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 Laguna Heights?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
Nearby in Cameron
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.