hey prescott.
See what you qualify for

Guild Arrive Home Program

Texas

Last verified
See what you qualify forOfficial program site →
Income limit

160% AMI

Of area median income; varies by county and household size

Repayment

Grant

Not repaid

What is Guild Arrive Home Program?

Guild Arrive Home Program is a grant for homebuyers in Texas.

  • Guild Mortgage's Arrive Home program is a zero-down conventional mortgage option for borrowers earning up to 160% of their area's median income. The program requires a minimum 620 FICO score and is available to both first-time and repeat homebuyers purchasing a primary residence. It provides down payment assistance so borrowers need no money out of pocket for the down payment.
  • Zero down payment required.
  • Available to borrowers up to 160% AMI.
  • No minimum borrower contribution.
  • First-time and repeat homebuyers eligible.
  • Funding comes from Private Lender.

Do you have to pay it back?

Guild Arrive Home Program is structured as a grant, so it is not repaid.

  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Guild Arrive Home 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 minimum 620 credit score
  • Citizenship or immigration status: yes

The program excludes

  • Households above 160% 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?

Guild Arrive Home Program limits household income to 160% of the area median income, which varies by county and household size.

  • Borrowers must earn up to 160% of area median income (AMI).
  • 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?

Guild Arrive Home Program can be used for Single-family.

  • New construction is eligible.

Where does it apply?

Guild Arrive Home Program serves buyers purchasing anywhere in Texas.

How do you apply?

Applications for Guild Arrive Home Program go through the administering agency, which publishes the current terms and the application steps on its own site.

  1. Contact the administering agency to reserve funds

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

  2. 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.

Learn this program

Short reads on how it works, in plain language. Free, no sign-up needed to read.

Free course from Hey Prescott

Guild Arrive Home Program, explained

A short, free course on Guild Arrive Home Program: what it is, who it is for, whether it has to be paid back, where it applies and how to apply. Based on program data from August 2026. About ten minutes.

5 modules · About 10 minutes

Read the course

Other programs in Texas

See every program in 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