Down payment assistance · Cottle County
Buying a home in Paducah, TX
50 statewide.Paducah has no 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.
What’s local to Paducah
No program of Paducah’s own yet
No program run for Paducah or for Cottle County alone is listed. A home in Paducah can use the Texas statewide and federal programs below.
The closest city that runs its own program is Wichita Falls, about 104 miles away. City programs usually require the home to be inside that city’s limits.
The Paducah marketThe Paducah housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Paducah
- 84.2% single-familysingle-family
- 0% townhousetownhouse
- 13% 2–4 units2–4 units
- 2.9% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Paducah’s homes were built
88.2%
of Paducah 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.
22 of the 112 programs here set their income limit as a share of Cottle County’s area median income, adjusted for household size. See the published limits for Cottle County
Free help nearbyFree help near Paducah
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Create a free account to see who’s near you and pick one.A HUD-approved counselor teaches homebuyer classes 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
Paducah questions
Does Paducah have its own down payment program?
No program run for Paducah alone is listed. A home in Paducah can use the 50 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Paducah?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Cottle County?
Each program sets its own. 22 of the programs here set theirs as a share of HUD’s area median income for Cottle 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 Paducah?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
79248
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.