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Down payment assistance

Down payment assistance in Old River-Winfree, TX

105 programs a Old River-Winfree buyer could use — grants, forgivable loans, and tax credits. Free to explore, no SSN, no credit pull.

Free forever · No credit pull · 90 seconds

Programs available
105

Programs available

Open to first-time buyers
54

Open to first-time buyers

Forgivable
91

Forgivable

Largest award
$25,000

Largest award

105 programs

Across Texas

56 programs

FHLBank Dallas HAVEN Program

Up to $25,000

Assistance grant · New construction · Income limits

Veterans
Verified Jun 2026

FHLBank Dallas HELP Program

Up to $25,000

Assistance grant · New construction · Income limits

First-time
Verified Jun 2026

NeighborhoodLIFT Program

Up to $15,000

Assistance grant · Forgiven over 5 yrs · Income limits

First-timeTargeted area
Verified Jun 2026

American National Bank of Texas DPA Program

Up to $7,500

Assistance grant · New construction · Income limits

First-timeTargeted area
Verified Jun 2026

5 Star Texas Advantage Program

5% of price

Forgivable loan · Forgiven over 3 yrs · Income limits

VeteransEducators

Capital Area Council of Governments DPA Program

Grant

Assistance grant · New construction

First-time
Verified Jun 2026

Capital Area Housing Finance Corporation + TDHCA Partnership DPA

Grant

Assistance grant · New construction · Income limits

First-time
Verified Jun 2026

Chenoa Fund FHA Down Payment Assistance - Forgivable

3.5% of price

Forgivable loan · Forgiven over 3 yrs · Income limits

First-time
Verified Jun 2026

Chenoa Fund FHA Down Payment Assistance - Repayable

3.5% of price

Repayable second loan · New construction · Income limits

First-time
Verified Jun 2026

Conventional Loans with Down Payment Assistance

3% of price

Assistance grant · Forgiven over 3 yrs · Income limits

First-timeTargeted areaVeteransEducators
Verified Jun 2026

FHA Loans

3.5% of price

Assistance grant · New construction · Income limits

First-time
Verified Jun 2026

FHA Loans (Federal)

3.5% of price

Gift funds · New construction

Verified Jun 2026

Guild Arrive Home Program

Grant

Assistance grant · New construction · Income limits

First-time
Verified Jun 2026

Guild Zero Down Mortgage Program

Forgivable

Forgivable loan · New construction

First-time
Verified Jun 2026

Home Sweet Texas

3% of price

Forgivable loan · Forgiven over 3 yrs · Income limits

Targeted area
Verified Jun 2026

Home Sweet Texas Home Loan Program - 3-Year Deferred Forgivable 2nd Lien

5% of price

Forgivable loan · Forgiven over 3 yrs · Income limits

VeteransEducators
Verified Jun 2026

Home Sweet Texas Home Loan Program - Grant

5% of price

Assistance grant · New construction · Income limits

VeteransEducators
Verified Jun 2026

Homeownership Across Texas

3% of price

Assistance grant · New construction · Income limits

Targeted area
Verified Jun 2026

Homeownership Across Texas (HAT)

5% of price

Assistance grant · New construction · Income limits

VeteransEducators
Verified Jun 2026

Homes for Heroes Healthcare Workers Program

Grant

Assistance grant · New construction · Income limits

First-time
Verified Jun 2026

Homes for Heroes Military Spouse Program

Grant

Assistance grant · New construction

First-time
Verified Jun 2026

Homes for Texas Heroes

3% of price

Assistance grant · Forgiven over 3 yrs · Income limits

Targeted area
Verified Jun 2026

Homes for Texas Heroes Home Loan Program - 3-Year Deferred Forgivable 2nd Lien

5% of price

Forgivable loan · Forgiven over 3 yrs · Income limits

VeteransEducators
Verified Jun 2026

Homes for Texas Heroes Home Loan Program - Grant

5% of price

Assistance grant · New construction · Income limits

VeteransEducators
Verified Jun 2026

Houston-Galveston Area Council Community Development Program

Grant

Assistance grant · New construction

First-time
Verified Jun 2026

LoanDepot Cash-Back Incentive Program

Grant

Assistance grant · New construction

First-time

LoanDepot Zero-Down Program

5% of price

Assistance grant · New construction · Income limits

First-time
Verified Jun 2026

Lubbock Housing Finance Corporation Homeownership Across Texas

5% of price

Assistance grant · New construction · Income limits

First-time
Verified Jun 2026

My Choice Texas Home

5% of price

Deferred second loan · New construction · Income limits

VeteransEducators
Verified Jun 2026

My First Texas Home

5% of price

Deferred second loan · New construction · Income limits

First-timeTargeted areaVeteransEducators
Verified Jun 2026

MyHome Plus

5% of price

Forgivable loan · Forgiven over 3 yrs · Income limits

VeteransEducators
Verified Jun 2026

Public Servant Next Door Program

Grant

Assistance grant · New construction · Income limits

First-timeVeteransEducators
Verified Jun 2026

SETH Homeownership Across Texas (HAT) Grant Program

5% of price

Assistance grant · New construction · Income limits

First-time
Verified Jun 2026

SETH MyHome Plus Program

5% of price

Forgivable loan · Forgiven over 10 yrs · Income limits

First-time
Verified Jun 2026

TDHCA Mortgage Credit Certificate (MCC) Program

20% of price

Assistance grant · New construction · Income limits

First-timeTargeted area
Verified Jun 2026

TDHCA My First Texas Home

5% of price

Forgivable loan · Forgiven over 3 yrs · Income limits

First-timeTargeted area
Verified Jun 2026

Teacher Down Payment Assistance Program

Grant

Assistance grant · New construction · Income limits

First-timeEducators
Verified Jun 2026

Texas Corrections Officers DPA Program

5% of price

Assistance grant · Forgiven over 3 yrs · Income limits

First-timeTargeted area
Verified Jun 2026

Texas County Jailer DPA Program

5% of price

Assistance grant · Forgiven over 3 yrs · Income limits

First-timeTargeted area
Verified Jun 2026

Texas EMS Down Payment Assistance Program

5% of price

Assistance grant · Forgiven over 3 yrs · Income limits

First-timeTargeted area
Verified Jun 2026

Texas Firefighters DPA Program

5% of price

Assistance grant · Forgiven over 3 yrs · Income limits

First-timeTargeted area
Verified Jun 2026

Texas Health Care Heroes Down Payment Assistance

5% of price

Assistance grant · Forgiven over 3 yrs · Income limits

First-timeTargeted area
Verified Jun 2026

Texas Nursing Faculty Down Payment Assistance

5% of price

Assistance grant · Forgiven over 3 yrs · Income limits

First-timeTargeted areaEducators
Verified Jun 2026

Texas Peace Officer DPA Enhancement Program

5% of price

Assistance grant · Forgiven over 3 yrs · Income limits

First-timeTargeted area
Verified Jun 2026

Texas Police Officers DPA Program

5% of price

Assistance grant · Forgiven over 3 yrs · Income limits

First-timeTargeted area
Verified Jun 2026

Texas Regional Bank Down Payment Assistance

Grant

Assistance grant · New construction

First-time
Verified Jun 2026

Texas Veterans Land Board Veterans Housing Assistance Program

Grant

Assistance grant · New construction · Income limits

Veterans
Verified Jun 2026

TSAHC East Texas Down Payment Assistance

5% of price

Assistance grant · Forgiven over 3 yrs · Income limits

First-timeTargeted area
Verified Jun 2026

TSAHC Home Sweet Texas

5% of price

Assistance grant · Forgiven over 3 yrs · Income limits

Targeted area
Verified Jun 2026

TSAHC Homes for Texas Heroes

5% of price

Assistance grant · Forgiven over 3 yrs · Income limits

Targeted areaVeteransEducators
Verified Jun 2026

TSAHC Mortgage Credit Certificate (MCC) Program

15% of price

Assistance grant · New construction · Income limits

First-timeTargeted area

TSAHC Nonprofit Housing Trust Program

Grant

Assistance grant · New construction

First-time

TSAHC Texas Panhandle Down Payment Assistance

5% of price

Assistance grant · Forgiven over 3 yrs · Income limits

First-timeTargeted area
Verified Jun 2026

USDA Rural Housing Loans

100% of price

Gift funds · New construction · Income limits

Targeted area
Verified Jun 2026

VA Loans (Federal - Veterans Affairs)

100% of price

Assistance grant · New construction · Income limits

VA Loans (Federal)

100% of price

Gift funds · New construction · Income limits

Federal

49 programs

American Pacific Mortgage 1% Home Program

0.02% of price

Assistance grant · Income limits

First-timeNationwide

American Pacific Mortgage Pathway DPA

Deferred

Deferred second loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jun 2026

BluePoint Mortgage Zero-Down Home Loan

0.035% of price

Deferred second loan · Income limits

Nationwide
Verified Jun 2026

BNY Down Payment Assistance

Grant

Assistance grant · Income limits

Nationwide
Verified Jun 2026

Chico Rancheria Housing Corporation Homebuyer Assistance

0.25% of price

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

Confederated Tribes of Grand Ronde Down Payment Assistance

0.2% of price

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

CrossCountry Mortgage Community Promise

Grant

Assistance grant · Income limits

NationwideTargeted area

CrossCountry Mortgage Non-QM loans

Grant

Assistance grant

Nationwide
Verified Jun 2026

CrossCountry Mortgage Smart Start Down Payment Assistance Program

Forgivable

Forgivable loan · Forgiven over 5 yrs · Income limits

First-timeNationwideTargeted area

Direct Mortgage Loans Go Direct FHA 100% Financing

0.035% of price

Deferred second loan · Income limits

Nationwide

Empowered DPA Program Down Payment Assistance

Deferred

Deferred second loan · Income limits

Nationwide
Verified Jun 2026

Guild Mortgage 1% Down Program

0.02% of price

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

Guild Mortgage 3-2-1 Home Plus Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jun 2026

Guild Mortgage Doctor and Medical Professionals Program

Grant

Assistance grant

Nationwide

Guild Mortgage MyPath2Own Program

Forgivable

Forgivable loan · Forgiven over 5 yrs · Income limits

First-timeNationwide

Guild Mortgage Zero Down Mortgage Program

Deferred

Deferred second loan · Income limits

First-timeNationwideTargeted area

Lakeview National Down Payment Assistance Homeownership Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jun 2026

Land Home Financial Services, Inc. House2Home Program

Deferred

Deferred second loan · Income limits

Nationwide

Lennar Mortgage Advantage Plus Program

Grant

Assistance grant · New construction

Nationwide
Verified Jun 2026

Lennar Mortgage Breathe Easy Program

Grant

Assistance grant · New construction

Nationwide

Luminate Bank Luminate PATH National DPA Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jun 2026

NACA Homeownership through Public Housing Assistance (HOT-PHA)

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

NACA's New Construction Homes

Grant

Assistance grant · New construction · Income limits

Nationwide

NASA FCU $0 Down, No PMI Mortgage Purchase

Grant

Assistance grant

Nationwide
Verified Jun 2026

Navy Federal Credit Union Homebuyers Choice Loan

Grant

Assistance grant

First-timeNationwideVeterans
Verified Jun 2026

Navy Federal Credit Union Military Choice Loan

Grant

Assistance grant

NationwideVeterans
Verified Jun 2026

New American Funding Pathway to Homeownership

Grant

Assistance grant · Income limits

First-timeNationwide

North Fork Rancheria Indian Housing Authority Down Payment Assistance Program

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

Northern Circle Indian Housing Authority Down Payment Assistance

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

Northpointe Bank ONE+ Loan Program

0.02% of price

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

PNC Bank Low to Moderate Income Borrower Grant

Grant

Assistance grant · Income limits

Nationwide
Verified Jun 2026

PNC Bank PNC Grant

Grant

Assistance grant · Income limits

NationwideTargeted area
Verified Jun 2026

Primary Residential Mortgage Down Payment Program

Deferred

Deferred second loan · Income limits

Nationwide
Verified Jun 2026

Primary Residential Mortgage Inc. Welcome Home Down Payment Assistance Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jun 2026

Rocket Mortgage ONE+ By Rocket Mortgage Program

0.02% of price

Assistance grant · Income limits

Nationwide
Verified Jun 2026

Siletz Tribal Housing Department Down Payment Assistance

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

State Department Federal Credit Union First-Time Homebuyer Mortgage

Grant

Assistance grant

First-timeNationwide
Verified Jun 2026

Tricon Down Payment Assistance Program

Deferred

Deferred second loan · Income limits

Nationwide

Tyndall Federal Credit Union $1,000 Off Closing Cost

Grant

Assistance grant

Nationwide
Verified Jun 2026

Tyndall Federal Credit Union $450 Closing Cost

Grant

Assistance grant

Nationwide
Verified Jun 2026

U.S. Department of Housing and Urban Development (HUD) Good Neighbor Next Door

0.5% of price

Assistance grant · Forgiven over 3 yrs · Income limits

NationwideEducators
Verified Jun 2026

U.S. Department of Housing and Urban Development (HUD) Section 184 Indian Home Loan Guarantee Program

Grant

Assistance grant · Income limits

Nationwide
Verified Jun 2026

U.S. Department of Housing and Urban Development HCV Homeownership Program

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

U.S. Department of the Interior Indian Affairs Down Payment Assistance

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

U.S. Department of Veterans Affairs Native American Direct Loan

Grant

Assistance grant · Income limits

NationwideVeterans
Verified Jun 2026

U.S. Department of Veterans Affairs Specially Adapted Housing (SAH) Grant

Grant

Assistance grant · Income limits

NationwideVeterans

U.S. Department of Veterans Affairs VA-backed Purchase Loan

Grant

Assistance grant · Income limits

NationwideVeterans
Verified Jun 2026

USDA Rural Development Single Family Housing Guaranteed Loan Program

Grant

Assistance grant · Income limits

Nationwide
Verified Jun 2026

USDA Single Family Housing Direct Home Loan (Section 502 Direct)

USDA Rural Development (Vermont/New Hampshire State Office)

First mortgage

First mortgage · New construction · Income limits

Nationwide
Verified Jun 2026

90-second match

Not sure which you qualify for?

Answer 9 questions and we'll match you to every program you can actually use — in about 90 seconds. No SSN, no credit pull.

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Questions, answered

The honest answers first

Do I need to share my SSN or get a credit check?
No. Exploring programs on Hey Prescott is free and anonymous — no Social Security number, no credit pull. You only share details when you choose to apply with a lender.
Is this free?
Yes. Browsing programs and getting matched is free. Hey Prescott is not a lender and never charges you to use it.
Are these all the programs?
We list active programs we've verified for Old River-Winfree and Texas, refreshed regularly. New programs are added as agencies publish them — check back as your search continues.
Can I use more than one?
Often, yes. Many buyers combine ("stack") a grant or forgivable second with a statewide or federal program. Stacking and eligibility rules are set by each administering agency.
How current is this?
We re-verify programs regularly; each program card shows the date it was last verified. Always confirm the latest terms on the official program site before you apply.
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.