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Down payment assistance

Down payment assistance in Orange, TX

105 programs a Orange 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.

Find my programs

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 Orange 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.