Deferred second loan
Odessa Homebuyer Assistance Program
First-time homebuyers · New construction · Income limits · Single-family
Down payment assistance · Ector County
Buying a home in Odessa, TX
1 Odessa program and 50 statewide.Odessa 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 Odessa addresses
Odessa’s own program
The Odessa marketThe Odessa housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Odessa
- 63.4% single-familysingle-family
- 2.6% townhousetownhouse
- 5.3% 2–4 units2–4 units
- 24.8% 5+ unitscondo & apartment buildings (5+ units)
- 3.9% mobile & othermobile home & other
About condos. Odessa’s one local program does not list condos as eligible. Odessa Homebuyer Assistance Program lists single-family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Odessa’s homes were built
pre-19401970s2020+
50.6%
of Odessa 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.
$91,100
County area median income, 4 people (HUD)HUD area median income, Ector County, 4-person household (2026)
$73,472
Odessa median household incomeMedian household income in Odessa (Census, 2024)
23 of the 113 programs here set their income limit as a share of Ector County’s area median income, adjusted for household size. See the published limits for Ector County
Free help nearbyFree help near Odessa
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Odessa’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Odessa 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
Odessa questions
Does Odessa have its own down payment program?
Yes, one: Odessa Homebuyer Assistance Program, a deferred second loan for first-time homebuyers (new construction, income limits). It is for homes inside Odessa.
Can I use assistance on a condo in Odessa?
Odessa’s one local program does not list condos as eligible. Odessa 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 Ector County?
Each program sets its own. 23 of the programs here set theirs as a share of HUD’s area median income for Ector 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 Odessa?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Odessa. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
79760 · 79761 · 79762 · 79763 · 79764 · 79765 · 79766 · 79768 · 79769
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.