Forgivable loan
Plano First-Time Homebuyers Assistance Program
First-time homebuyers · Income limits · Single Family · Condo · Townhouse
Down payment assistance · Collin County
Buying a home in Plano, TX
3 Plano programs, 1 county program and 50 statewide.Plano has 3 programs of its own, 1 more across Collin County, and 50 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
Find my programs Free · No credit pull · 90 seconds
Only for Plano addresses
Plano’s own programs
Forgivable loan
First Time Homebuyers Assistance and Educational Program (FTHB) - CDBG
First-time homebuyers · Income limits · Single-family detached, condominium, townhouse, PUD. Must be primary residence.
Forgivable loan
First Time Homebuyers Assistance and Educational Program (FTHB) - HOME
First-time homebuyers · Income limits · Single-family detached, condominium, townhouse, PUD. Must be primary residence.
Anywhere in CollinAnywhere in Collin County
1 county program1 county program a Plano homebuyer can also use
3 more programs are for homes in Frisco and McKinney. See them 3 programs in neighboring cities — for homes inside those cities, not Plano
The Plano marketThe Plano housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Plano
- 59.8% single-familysingle-family
- 3.8% townhousetownhouse
- 3.7% 2–4 units2–4 units
- 32.3% 5+ unitscondo & apartment buildings (5+ units)
- 0.5% mobile & othermobile home & other
Condos count. 3 of Plano’s 4 local and county programs accept condos. Collin County First-Time Homebuyer Program lists single-family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Plano’s homes were built
pre-19401970s2020+
18.4%
of Plano 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.
$121,100
County area median income, 4 people (HUD)HUD area median income, Collin County, 4-person household (2026)
$112,253
Plano median household incomeMedian household income in Plano (Census, 2024)
25 of the 116 programs here set their income limit as a share of Collin County’s area median income, adjusted for household size. See the published limits for Collin County
Free help nearbyFree help near Plano
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.3 of the 4 local programs here ask 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.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Across Texas and nationwide
112 statewide & federal programs50 statewide programs, plus federal options
Plano questions
Does Plano have its own down payment program?
Yes, 3: Plano First-Time Homebuyers Assistance Program, First Time Homebuyers Assistance and Educational Program (FTHB) - CDBG and First Time Homebuyers Assistance and Educational Program (FTHB) - HOME. Each is for homes inside Plano.
Can I use assistance on a condo in Plano?
3 of Plano’s 4 local and county programs accept condos. Collin County First-Time Homebuyer 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 Collin County?
Each program sets its own. 25 of the programs here set theirs as a share of HUD’s area median income for Collin 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 Plano?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Plano. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
75023 · 75024 · 75025 · 75026 · 75074 · 75075 · 75086 · 75093 · 75094
Nearby in Collin
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.