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Baytown Down Payment Assistance Program

Baytown, Texas

Last verified
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Assistance

5%

Of the purchase price, as the program sets it

Income limit

80% AMI

Of area median income; varies by county and household size

Price cap

$180,000

Highest purchase price the program allows

Repayment

Grant

Not repaid

What is Baytown Down Payment Assistance Program?

Baytown Down Payment Assistance Program is a grant for homebuyers in Baytown, Texas.

  • The City of Baytown First Time Homebuyer Assistance Program provides up to 5% of the sales price as a deferred, forgivable loan at 0% interest for income-qualified first-time buyers. The loan is forgiven after 5 years of owner-occupancy. Buyers must contribute a minimum of 2% of the sales price and complete an approved homebuyer education course.
  • Up to 5% of sales price.
  • 0% interest deferred loan.
  • Forgiven after 5 years.
  • Down payment and closing costs covered.
  • Funding comes from Local.

How much assistance does it provide?

Baytown Down Payment Assistance Program provides assistance worth 5% of the purchase price, as set by the program.

  • The program can be combined with other assistance, subject to the rules of each.
  • Amounts are the program's published maximums, not an offer — the administering agency determines any individual award.

Do you have to pay it back?

Baytown Down Payment Assistance Program is structured as a grant, so it is not repaid.

  • Repayment is triggered by Sale, Refinance, and No Longer Primary.
  • The assistance is recorded in 2nd Lien position.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Baytown Down Payment Assistance Program is open to first-time homebuyers and buyers who will live in the home as their primary residence.

The program requires

  • First-time homebuyer — the program sets its own definition
  • The home is occupied as a primary residence
  • A completed homebuyer education course
  • Citizenship or immigration status: yes

The program excludes

  • Purchases above the $180,000 price cap
  • Households above 80% of area median income

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

Baytown Down Payment Assistance Program limits household income to 80% of the area median income, which varies by county and household size.

  • Household income at or below 80% of area median income.
  • Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

Baytown Down Payment Assistance Program caps the purchase price at $180,000.

  • Eligible property types include Single-family.
  • New construction is eligible.

Where does it apply?

Baytown Down Payment Assistance Program serves buyers purchasing in Baytown, Texas.

How do you apply?

Applications for Baytown Down Payment Assistance Program go through the administering agency, which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program before funds are reserved.

  2. Contact the administering agency to reserve funds

    Funds are reserved with the provider and are subject to availability.

  3. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.

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