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Dallas County UPCAP Program

Dallas County, Texas

Last verified
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Assistance

$7,500

The maximum the program publishes — not an offer

Income limit

80% AMI

Of area median income; varies by county and household size

Repayment

Grant

Not repaid

What is Dallas County UPCAP Program?

Dallas County UPCAP Program is a grant for homebuyers in Dallas County, Texas.

  • The Dallas County Home Loan Upfront Cost Assistance Program (UPCAP) provides a deferred payment loan of up to $7,500 for down payment, closing costs, and related homebuying expenses. The lien is released after the buyer occupies the property as their primary residence for 5 years. Rate/term refinancing is permitted during the 5-year period; home equity and cash-out loans are not.
  • Up to $7,500.
  • 5-year deferred/forgivable.
  • Zero interest.
  • Free HUD counseling.
  • English and Spanish services.
  • Funding comes from Local.

How much assistance does it provide?

Dallas County UPCAP Program offers up to $7,500 in assistance.

  • 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?

Dallas County UPCAP Program is structured as a grant, so it is not repaid.

  • Repayment is triggered by Sale, Lease, Transfer of Title, Foreclosure, and Cash-out Refinance.
  • 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?

Dallas County UPCAP 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

  • 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?

Dallas County UPCAP Program limits household income to 80% of the area median income, which varies by county and household size.

  • Low-to-moderate income households; follows 80% AMI guidelines for Dallas County.
  • 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?

Dallas County UPCAP Program can be used for Single-family.

  • New construction is eligible.

Where does it apply?

Dallas County UPCAP Program serves buyers purchasing in Dallas County, Texas.

How do you apply?

Applications for Dallas County UPCAP 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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