Abilene · Taylor County
Abilene First Time Homebuyer Program
Assistance grant · 80% of area median income
Programs by loan typePrograms by loan type · Texas
Down payment assistance you can pair with a USDA loan in Texas
89 programs name USDA loans: 46 city, 14 county or regional, 29 statewide.89 programs in Texas name USDA loans among the first mortgages they can be paired with: 46 run by a city, 14 by a county or regional agency and 29 open statewide.
Two approvals, made separately. The lender underwrites the USDA loan; the program reviews its own application, and the lender must also accept the assistance. The loan type is one rule among several.The lender underwrites the USDA loan; the assistance program reviews its own application. A program naming USDA means the two can be combined, and the lender must also accept the assistance as a source of funds. The loan type is one rule among several.
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The 89 programs, closest first
From one city out to the whole state
Listed A–Z within each group, not ranked.A city program covers homes inside that city; a county or regional program, homes in its area; a statewide program, an eligible home anywhere in Texas. Listed A–Z within each group, not ranked.
In a Texas city 46 programs
For homes inside that city’s limits onlyArlington · Tarrant County
Arlington Homebuyer's Assistance Program (AHAP)
Forgivable loan · 80% of area median income
Arlington · Tarrant County
Arlington Homebuyers Assistance Program
Forgivable loan · 80% of area median income
Baytown · Harris County
Baytown Down Payment Assistance Program
Assistance grant · 80% of area median income
Beaumont · Jefferson County
Beaumont Down Payment Assistance Program
Forgivable loan · 80% of area median income
Brownsville · Cameron County
Brownsville Down Payment Assistance Program
Deferred second loan · 80% of area median income
Bryan · Brazos County
Bryan Homebuyer Assistance Program
Forgivable loan · 80% of area median income
Grand Prairie · Dallas|Tarrant County
Buying Power Program
Assistance grant · 80% of area median income
In a county or region 14 programs
For homes anywhere in the county or the counties namedHarris County
Down Payment Assistance Program (DAP)
Forgivable loan · 80% of area median income
Multi-county
FHLBank Dallas HAVEN Program
Assistance grant · 165% of area median income
Multi-county
FHLBank Dallas HELP Program
Assistance grant · 80% of area median income
Harris County
Harris County Housing Finance Corporation + TDHCA Partnership DPA
Assistance grant
Harris County
Harris County Housing Finance Corporation Down Payment Assistance
Assistance grant · 80% of area median income
Multi-County
Hill Country Home Down Payment Assistance Program
Deferred second loan
Bexar County
Home Ownership Program for Employees (HOPE)
Forgivable loan · 120% of area median income
Cameron County
Homebuyer Assistance (HBA) Program
Deferred second loan · 80% of area median income
Anywhere in Texas 29 programs
Can sit alongside a city or county program where both allow it- 5 Star Texas Advantage ProgramForgivable loan
- Conventional Loans with Down Payment AssistanceAssistance grant · First-time homebuyers
- Home Sweet TexasForgivable loan
- Home Sweet Texas Home Loan Program - 3-Year Deferred Forgivable 2nd LienForgivable loan
- Home Sweet Texas Home Loan Program - GrantAssistance grant
- Homeownership Across TexasAssistance grant
- Homes for Heroes Healthcare Workers ProgramAssistance grant · First-time homebuyers
- Homes for Texas HeroesAssistance grant
- Homes for Texas Heroes Home Loan Program - 3-Year Deferred Forgivable 2nd LienForgivable loan
- Homes for Texas Heroes Home Loan Program - GrantAssistance grant
- My Choice Texas HomeDeferred second loan
- My First Texas HomeDeferred second loan · First-time homebuyers
- MyHome PlusForgivable loan
- Public Servant Next Door ProgramAssistance grant · First-time homebuyers
- SETH MyHome Plus ProgramForgivable loan · First-time homebuyers
- TDHCA Mortgage Credit Certificate (MCC) ProgramMortgage credit certificate · First-time homebuyers
- TDHCA My First Texas HomeForgivable loan · First-time homebuyers
- Teacher Down Payment Assistance ProgramAssistance grant · First-time homebuyers
- Texas Corrections Officers DPA ProgramAssistance grant · First-time homebuyers
- Texas County Jailer DPA ProgramAssistance grant · First-time homebuyers
- Texas EMS Down Payment Assistance ProgramAssistance grant · First-time homebuyers
- Texas Firefighters DPA ProgramAssistance grant · First-time homebuyers
- Texas Health Care Heroes Down Payment AssistanceAssistance grant · First-time homebuyers
- Texas Nursing Faculty Down Payment AssistanceAssistance grant · First-time homebuyers
- Texas Peace Officer DPA Enhancement ProgramAssistance grant · First-time homebuyers
- Texas Police Officers DPA ProgramAssistance grant · First-time homebuyers
- TSAHC Home Sweet TexasAssistance grant
- TSAHC Homes for Texas HeroesAssistance grant
- USDA Rural Housing LoansFirst mortgage
Nationwide 25 programs · not in the 89
Nationwide: 25 more, not in the 8925 nationwide programs that also name USDA loans, each with its own area and eligibility rules
- American Pacific Mortgage Pathway DPA
- Chase Bank Homebuyer Grant
- Chico Rancheria Housing Corporation Homebuyer Assistance
- Confederated Tribes of Grand Ronde Down Payment Assistance
- Essex Mortgage 10 Year Amortized 2 Plus
- Essex Mortgage Forgivable/Deferred Program
- Fairway Independent Mortgage Corporation Affordable Housing
- Fairway Independent Mortgage Corporation HOPER's Incentive Program
- Flagstar - Flagstar Gift Program
- Great Nevada Mortgage Middle-Income Downpayment Assistance Grants
- Land Home Financial Services, Inc. House2Home Program
- Lennar Mortgage Advantage Plus Program
- MEP Advantage DPA Program
- National Homebuyers Fund (NHF) - Data Mortgage, Inc. dba Essex Mortgage Deferred Down Payment Assistance Program
- North Fork Rancheria Indian Housing Authority Down Payment Assistance Program
- Northern Circle Indian Housing Authority Down Payment Assistance
- Primary Residential Mortgage Down Payment Program
- Primary Residential Mortgage Inc. Welcome Home Down Payment Assistance Program
- Siletz Tribal Housing Department Down Payment Assistance
- Susan's Savings First Time Home Buyers Program
- Tyndall Federal Credit Union $1,000 Off Closing Cost
- Tyndall Federal Credit Union $450 Closing Cost
- U.S. Department of Housing and Urban Development HCV Homeownership Program
- U.S. Department of the Interior Indian Affairs Down Payment Assistance
- USDA Rural Development Single Family Housing Guaranteed Loan Program
- All nationwide programs →
What to know
What the 89 records say
From each program’s own record. The agency decides who can use it.Counted from each program’s own record. A program’s agency decides who can use it.
- 80 of 89
ask for a homebuyer education class.
- 67 of 89
are limited to first-time homebuyers, as each program defines it.
- 38 · 37 · 11
are forgivable loans, assistance grants and deferred second loans. The other 3 are 1 first mortgage, 1 mortgage credit certificate and 1 shared-appreciation loan.
Free help in TexasFree help in Texas
48 HUD-approved counseling agencies in Texas48 HUD-approved housing counseling agencies in Texas
80 of 89 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can explain how the assistance and a USDA loan fit together.80 of 89 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can explain how an assistance program and a first mortgage fit together, before you talk to a lender. Create a free account to see who’s near you.
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More of Texas’s programs
Questions, answered
Can down payment assistance be used with a USDA loan in Texas?
89 programs in Texas name USDA loans among the loan types they can be paired with. The assistance program and the first-mortgage lender underwrite separately, so a lender must also be willing to accept the assistance as a source of funds.
Does naming USDA loans mean a program is open to everyone using one?
No. The loan type is one eligibility rule among several — income limits, purchase price caps, credit requirements and occupancy rules all still apply, and each program sets its own.
Is Hey Prescott a lender?
No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.
Programs and counts: Hey Prescott program records, each verified with its administering agency (June–August 2026). Counselors: HUD housing counseling agency list. Hey Prescott is not a lender.