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Down payment assistance

Down payment assistance in Portland, TX

112 programs a Portland buyer could use — grants, forgivable loans, and tax credits. Free to explore, no SSN, no credit pull.

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Free forever · No credit pull · 90 seconds

Programs available
112

Programs available

Open to first-time buyers
52

Open to first-time buyers

Forgivable
96

Forgivable

Largest award
$126,526

Largest award

112 programs

Across Texas

50 programs

FHLBank Dallas HAVEN Program

Up to $25,000

Assistance grant · New construction · Income limits

Veterans
Verified Aug 2026See details →

FHLBank Dallas HELP Program

Up to $25,000

Assistance grant · New construction · Income limits

First-time
Verified Aug 2026See details →

NeighborhoodLIFT Program

Up to $15,000

Assistance grant · Forgiven over 5 yrs · Income limits

First-timeTargeted area
Verified Aug 2026See details →

American National Bank of Texas DPA Program

Up to $7,500

Assistance grant · New construction · Income limits

First-timeTargeted area
Verified Jul 2026See details →

5 Star Texas Advantage Program

5% of price

Forgivable loan · Forgiven over 3 yrs · Income limits

VeteransEducators
Verified Jul 2026See details →

Capital Area Council of Governments DPA Program

Grant

Assistance grant · New construction

First-time
Verified Jul 2026See details →

Capital Area Housing Finance Corporation + TDHCA Partnership DPA

Grant

Assistance grant · New construction · Income limits

First-time
Verified Aug 2026See details →

Chenoa Fund FHA Down Payment Assistance - Forgivable

3.5% of price

Forgivable loan · Forgiven over 3 yrs · Income limits

First-time
Verified Jul 2026See details →

Chenoa Fund FHA Down Payment Assistance - Repayable

3.5% of price

Repayable second loan · New construction · Income limits

First-time
Verified Jul 2026See details →

Conventional Loans with Down Payment Assistance

3% of price

Assistance grant · Forgiven over 3 yrs · Income limits

First-timeTargeted areaVeteransEducators
Verified Aug 2026See details →

FHA Loans

3.5% of price

Assistance grant · New construction · Income limits

First-time
Verified Jul 2026See details →

FHA Loans (Federal)

3.5% of price

Gift funds · New construction

Verified Jul 2026See details →

Guild Arrive Home Program

Grant

Assistance grant · New construction · Income limits

First-time
Verified Aug 2026See details →

Guild Zero Down Mortgage Program

Forgivable

Forgivable loan · New construction

First-time
Verified Aug 2026See details →

Home Sweet Texas

3% of price

Forgivable loan · Forgiven over 3 yrs · Income limits

Targeted area
Verified Aug 2026See details →

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 Aug 2026See details →

Home Sweet Texas Home Loan Program - Grant

5% of price

Assistance grant · New construction · Income limits

VeteransEducators
Verified Aug 2026See details →

Homeownership Across Texas

3% of price

Assistance grant · New construction · Income limits

Targeted area
Verified Jul 2026See details →

Homes for Heroes Healthcare Workers Program

Grant

Assistance grant · New construction · Income limits

First-time
Verified Jul 2026See details →

Homes for Heroes Military Spouse Program

Grant

Assistance grant · New construction

First-time
Verified Jul 2026See details →

Homes for Texas Heroes

3% of price

Assistance grant · Forgiven over 3 yrs · Income limits

Targeted area
Verified Jul 2026See details →

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 Aug 2026See details →

Homes for Texas Heroes Home Loan Program - Grant

5% of price

Assistance grant · New construction · Income limits

VeteransEducators
Verified Aug 2026See details →

Houston-Galveston Area Council Community Development Program

Grant

Assistance grant · New construction

First-time
Verified Jul 2026See details →

LoanDepot Cash-Back Incentive Program

Grant

Assistance grant · New construction

First-time
Verified Jul 2026See details →

LoanDepot Zero-Down Program

5% of price

Assistance grant · New construction · Income limits

First-time
Verified Jul 2026See details →

My Choice Texas Home

5% of price

Deferred second loan · New construction · Income limits

VeteransEducators
Verified Jul 2026See details →

My First Texas Home

5% of price

Deferred second loan · New construction · Income limits

First-timeTargeted areaVeteransEducators
Verified Jul 2026See details →

MyHome Plus

5% of price

Forgivable loan · Forgiven over 3 yrs · Income limits

VeteransEducators
Verified Jul 2026See details →

Public Servant Next Door Program

Grant

Assistance grant · New construction · Income limits

First-timeVeteransEducators
Verified Jul 2026See details →

SETH MyHome Plus Program

5% of price

Forgivable loan · Forgiven over 10 yrs · Income limits

First-time
Verified Jul 2026See details →

TDHCA Mortgage Credit Certificate (MCC) Program

20% of price

Mortgage credit certificate · New construction · Income limits

First-timeTargeted area
Verified Jul 2026See details →

TDHCA My First Texas Home

5% of price

Forgivable loan · Forgiven over 3 yrs · Income limits

First-timeTargeted area
Verified Jul 2026See details →

Teacher Down Payment Assistance Program

Grant

Assistance grant · New construction · Income limits

First-timeEducators
Verified Jul 2026See details →

Texas Corrections Officers DPA Program

5% of price

Assistance grant · Forgiven over 3 yrs · Income limits

First-timeTargeted area
Verified Jul 2026See details →

Texas County Jailer DPA Program

5% of price

Assistance grant · Forgiven over 3 yrs · Income limits

First-timeTargeted area
Verified Jul 2026See details →

Texas EMS Down Payment Assistance Program

5% of price

Assistance grant · Forgiven over 3 yrs · Income limits

First-timeTargeted area
Verified Aug 2026See details →

Texas Firefighters DPA Program

5% of price

Assistance grant · Forgiven over 3 yrs · Income limits

First-timeTargeted area
Verified Aug 2026See details →

Texas Health Care Heroes Down Payment Assistance

5% of price

Assistance grant · Forgiven over 3 yrs · Income limits

First-timeTargeted area
Verified Jul 2026See details →

Texas Nursing Faculty Down Payment Assistance

5% of price

Assistance grant · Forgiven over 3 yrs · Income limits

First-timeTargeted areaEducators
Verified Aug 2026See details →

Texas Peace Officer DPA Enhancement Program

5% of price

Assistance grant · Forgiven over 3 yrs · Income limits

First-timeTargeted area
Verified Aug 2026See details →

Texas Police Officers DPA Program

5% of price

Assistance grant · Forgiven over 3 yrs · Income limits

First-timeTargeted area
Verified Aug 2026See details →

Texas Regional Bank Down Payment Assistance

Grant

Assistance grant · New construction

First-time
Verified Jul 2026See details →

Texas Veterans Land Board Veterans Housing Assistance Program

Grant

Assistance grant · New construction · Income limits

Veterans
Verified Jul 2026See details →

TSAHC East Texas Down Payment Assistance

5% of price

Assistance grant · Forgiven over 3 yrs · Income limits

First-timeTargeted area
Verified Aug 2026See details →

TSAHC Home Sweet Texas

5% of price

Assistance grant · Forgiven over 3 yrs · Income limits

Targeted area
Verified Jul 2026See details →

TSAHC Homes for Texas Heroes

5% of price

Assistance grant · Forgiven over 3 yrs · Income limits

Targeted areaVeteransEducators
Verified Jul 2026See details →

TSAHC Texas Panhandle Down Payment Assistance

5% of price

Assistance grant · Forgiven over 3 yrs · Income limits

First-timeTargeted area
Verified Aug 2026See details →

USDA Rural Housing Loans

100% of price

First mortgage · New construction · Income limits

Targeted area
Verified Aug 2026See details →

VA Loans (Federal)

100% of price

Gift funds · New construction · Income limits

Veterans
Verified Jul 2026See details →

Federal

62 programs

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

Up to $126,526

Assistance grant · Income limits

NationwideVeterans
Verified Jul 2026See details →

America First Credit Union 100% No PMI Adjustable-Rate Mortgage

First mortgage

First mortgage

Nationwide
Verified Jul 2026See details →

American Pacific Mortgage 1% Home Program

0.02% of price

Assistance grant · Income limits

Nationwide
Verified Jul 2026See details →

American Pacific Mortgage Pathway DPA

Deferred

Deferred second loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jun 2026See details →

BluePoint Mortgage Zero-Down Home Loan

0.035% of price

Deferred second loan · Income limits

Nationwide
Verified Jul 2026See details →

BNY Down Payment Assistance

Grant

Assistance grant · Income limits

Nationwide
Verified Jul 2026See details →

Chase Bank Homebuyer Grant

Grant

Assistance grant · Income limits

NationwideTargeted area
Verified Sep 2026See details →

Chico Rancheria Housing Corporation Homebuyer Assistance

0.25% of price

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026See details →

Citibank, N.A. HomeRun Mortgage

Grant

Assistance grant · Income limits

Nationwide
Verified Jun 2026See details →

Confederated Tribes of Grand Ronde Down Payment Assistance

0.2% of price

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026See details →

CrossCountry Mortgage Community Promise

Grant

Assistance grant · Income limits

NationwideTargeted area
Verified Jul 2026See details →

CrossCountry Mortgage Non-QM loans

Grant

Assistance grant

Nationwide
Verified Jul 2026See details →

CrossCountry Mortgage Smart Start Down Payment Assistance Program

Forgivable

Forgivable loan · Forgiven over 5 yrs · Income limits

First-timeNationwideTargeted area
Verified Jul 2026See details →

Direct Mortgage Loans Go Direct FHA 100% Financing

0.035% of price

Deferred second loan · Income limits

Nationwide
Verified Jul 2026See details →

Empowered DPA Program Down Payment Assistance

Deferred

Deferred second loan · Income limits

Nationwide
Verified Jul 2026See details →

Essex Mortgage 10 Year Amortized 2 Plus

Grant

Assistance grant · Income limits

Nationwide
Verified Jul 2026See details →

Essex Mortgage Forgivable/Deferred Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jul 2026See details →

Fairway Independent Mortgage Corporation Affordable Housing

Grant

Assistance grant · Income limits

Nationwide
Verified Jun 2026See details →

Fairway Independent Mortgage Corporation HOPER's Incentive Program

Grant

Assistance grant · Income limits

NationwideTargeted area
Verified Jul 2026See details →

First Bank Thrive Mortgage Loan

Grant

Assistance grant · Income limits

NationwideTargeted area
Verified Jul 2026See details →

Flagstar - Flagstar Gift Program

0.03% of price

Assistance grant · Income limits

First-timeNationwide
Verified Jul 2026See details →

Great Nevada Mortgage Middle-Income Downpayment Assistance Grants

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026See details →

Guild Mortgage 1% Down Program

0.02% of price

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026See details →

Guild Mortgage 3-2-1 Home Plus Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jul 2026See details →

Guild Mortgage Doctor and Medical Professionals Program

Grant

Assistance grant

Nationwide
Verified Jul 2026See details →

Guild Mortgage MyPath2Own Program

Forgivable

Forgivable loan · Forgiven over 5 yrs · Income limits

First-timeNationwide
Verified Jul 2026See details →

Guild Mortgage Zero Down Mortgage Program

Deferred

Deferred second loan · Income limits

First-timeNationwideTargeted area
Verified Jul 2026See details →

HSBC Bank USA CommunityWorks

Grant

Assistance grant · Income limits

Nationwide
Verified Jul 2026See details →

HSBC Bank USA CommunityWorks Opening Doors Home Loan Grant

Grant

Assistance grant · Income limits

Nationwide
Verified Jul 2026See details →

Lakeview National Down Payment Assistance Homeownership Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jul 2026See details →

Land Home Financial Services, Inc. House2Home Program

Grant

Assistance grant · Income limits

Nationwide
Verified Jul 2026See details →

Lennar Mortgage Advantage Plus Program

Grant

Assistance grant · New construction

Nationwide
Verified Jul 2026See details →

Luminate Bank Luminate PATH National DPA Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jun 2026See details →

MEP Advantage DPA Program

Deferred

Deferred second loan · Income limits

Nationwide
Verified Jul 2026See details →

NACA Homeownership through Public Housing Assistance (HOT-PHA)

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jul 2026See details →

NACA's New Construction Homes

Grant

Assistance grant · New construction · Income limits

Nationwide
Verified Jul 2026See details →

NASA FCU $0 Down, No PMI Mortgage Purchase

Grant

Assistance grant

Nationwide
Verified Jul 2026See details →

National Homebuyers Fund (NHF) - Data Mortgage, Inc. dba Essex Mortgage Deferred Down Payment Assistance Program

Deferred

Deferred second loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jul 2026See details →

Navy Federal Credit Union Homebuyers Choice Loan

Grant

Assistance grant

First-timeNationwideVeterans
Verified Jul 2026See details →

Navy Federal Credit Union Military Choice Loan

Grant

Assistance grant

NationwideVeterans
Verified Jul 2026See details →

North Fork Rancheria Indian Housing Authority Down Payment Assistance Program

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026See details →

Northern Circle Indian Housing Authority Down Payment Assistance

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jul 2026See details →

Northpointe Bank ONE+ Loan Program

0.02% of price

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026See details →

Pathway Homes Essential Workers Program

Assistance

Shared-appreciation loan · Income limits

NationwideEducators
Verified Jun 2026See details →

PNC Bank Low to Moderate Income Borrower Grant

Grant

Assistance grant · Income limits

Nationwide
Verified Jun 2026See details →

PNC Bank PNC Grant

Grant

Assistance grant · Income limits

NationwideTargeted area
Verified Jun 2026See details →

Primary Residential Mortgage Down Payment Program

Deferred

Deferred second loan · Income limits

Nationwide
Verified Jul 2026See details →

Primary Residential Mortgage Inc. Welcome Home Down Payment Assistance Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jul 2026See details →

Rocket Mortgage ONE+ By Rocket Mortgage Program

0.02% of price

Assistance grant · Income limits

Nationwide
Verified Jun 2026See details →

Siletz Tribal Housing Department Down Payment Assistance

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jul 2026See details →

State Department Federal Credit Union First-Time Homebuyer Mortgage

Grant

Assistance grant

First-timeNationwide
Verified Jul 2026See details →

Susan's Savings First Time Home Buyers Program

Grant

Assistance grant · New construction · Income limits

First-timeNationwide
Verified Jul 2026See details →

Tyndall Federal Credit Union $1,000 Off Closing Cost

Grant

Assistance grant

Nationwide
Verified Jun 2026See details →

Tyndall Federal Credit Union $450 Closing Cost

Grant

Assistance grant

Nationwide
Verified Jun 2026See details →

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 Jul 2026See details →

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

Grant

Assistance grant · Income limits

Nationwide
Verified Jun 2026See details →

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

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jul 2026See details →

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

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jul 2026See details →

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

Grant

Assistance grant · Income limits

NationwideVeterans
Verified Jun 2026See details →

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

Grant

Assistance grant · Income limits

NationwideVeterans
Verified Jul 2026See details →

USDA Rural Development Single Family Housing Guaranteed Loan Program

First mortgage

First mortgage · Income limits

Nationwide
Verified Jul 2026See details →

Valley First Credit Union Middle Income Homebuyer Program

Grant

Assistance grant · Income limits

First-timeNationwide
See details →

What’s local to Portland

There are no programs run by Portland or by San Patricio County. A Portland buyer uses Texas statewide and federal programs, which are the ones listed above.

The closest city that runs its own program is Corpus Christi, about 7 miles away. City programs usually require the home to be inside that city’s limits — worth checking if you’re still choosing where to buy.

HUD puts the 2026 area median income for San Patricio County at $83,700 for a four-person household. 22 of the programs listed here set an income limit as a percentage of that figure, which is why the same program admits a different income in a different county. Published limits for Texas →

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 Portland 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.

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