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 VA loan in Texas
125 programs name VA loans: 64 city, 27 county or regional, 34 statewide.125 programs in Texas name VA loans among the first mortgages they can be paired with: 64 run by a city, 27 by a county or regional agency and 34 open statewide.
Two approvals, made separately. The lender underwrites the VA 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 VA loan; the assistance program reviews its own application. A program naming VA 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 125 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 64 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 27 programs
For homes anywhere in the county or the counties namedTravis County
Austin Habitat for Humanity Homeownership Program
Assistance grant · 80% of area median income
Multi-county
Capital Area Council of Governments DPA Program
Assistance grant
Multi-county
Capital Area Housing Finance Corporation + TDHCA Partnership DPA
Assistance grant · 120% of area median income
Collin County
Collin County First-Time Homebuyer Program
Deferred second loan
Dallas County
Dallas County UPCAP Program
Assistance grant · 80% of area median income
Harris 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
Anywhere in Texas 34 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 Heroes Military Spouse 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
- LoanDepot Cash-Back Incentive ProgramAssistance grant · First-time homebuyers
- My Choice Texas HomeDeferred second loan
- My First Texas HomeDeferred second loan · First-time homebuyers
- MyHome PlusForgivable loan
- NeighborhoodLIFT ProgramUp to $15,000 · Assistance grant · First-time homebuyers
- 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
- Texas Regional Bank Down Payment AssistanceAssistance grant · First-time homebuyers
- Texas Veterans Land Board Veterans Housing Assistance ProgramAssistance grant
- TSAHC Home Sweet TexasAssistance grant
- TSAHC Homes for Texas HeroesAssistance grant
- VA Loans (Federal)Gift funds
Nationwide 27 programs · not in the 125
Nationwide: 27 more, not in the 12527 nationwide programs that also name VA 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
- U.S. Department of Veterans Affairs Native American Direct Loan
- U.S. Department of Veterans Affairs Specially Adapted Housing (SAH) Grant
- U.S. Department of Veterans Affairs VA-backed Purchase Loan
- All nationwide programs →
What to know
What the 125 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.
- 105 of 125
ask for a homebuyer education class.
- 102 of 125
are limited to first-time homebuyers, as each program defines it.
- 65 · 45 · 12
are assistance grants, forgivable loans and deferred second loans. The other 3 are 1 gift funds, 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
105 of 125 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can explain how the assistance and a VA loan fit together.105 of 125 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 VA loan in Texas?
125 programs in Texas name VA 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 VA 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.