Deferred second loan
Midland Homebuyer Assistance Program
First-time homebuyers · Income limits · Single-family
Down payment assistance · Midland County
Buying a home in Midland, TX
1 Midland program and 50 statewide.Midland has 1 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.
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Only for Midland addresses
Midland’s own program
The Midland marketThe Midland housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Midland
- 63.7% single-familysingle-family
- 4.3% townhousetownhouse
- 6.1% 2–4 units2–4 units
- 23.2% 5+ unitscondo & apartment buildings (5+ units)
- 2.8% mobile & othermobile home & other
About condos. Midland’s one local program does not list condos as eligible. Midland Homebuyer Assistance Program lists single-family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Midland’s homes were built
pre-19401970s2020+
36.3%
of Midland 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.
$108,900
County area median income, 4 people (HUD)HUD area median income, Midland County, 4-person household (2026)
$89,585
Midland median household incomeMedian household income in Midland (Census, 2024)
23 of the 113 programs here set their income limit as a share of Midland County’s area median income, adjusted for household size. See the published limits for Midland County
Free help nearbyFree help near Midland
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Midland’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Midland Homebuyer Assistance 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
Midland questions
Does Midland have its own down payment program?
Yes, one: Midland Homebuyer Assistance Program, a deferred second loan for first-time homebuyers (forgiven over 10 yrs, income limits). It is for homes inside Midland.
Can I use assistance on a condo in Midland?
Midland’s one local program does not list condos as eligible. Midland Homebuyer Assistance Program 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 Midland County?
Each program sets its own. 23 of the programs here set theirs as a share of HUD’s area median income for Midland 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 Midland?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Midland. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
79701 · 79702 · 79703 · 79704 · 79705 · 79706 · 79707 · 79708 · 79710 · 79711 · 79712
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.