Homeownership Across Texas
Homeownership Across Texas is a grant for homebuyers in Texas.
The program asks for
- The home is occupied as a primary residence
- A minimum 620 credit score
- A completed homebuyer education course
- Citizenship or immigration status: U.S. Citizen or Permanent Resident
- No first-time homebuyer requirement
- A home in Texas
It doesn’t cover
- Households above 115% 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.
Income limit
115% of the area median income where the home is
HUD sets the area median income each year. The limit changes with household size, so a family of five has a higher limit than a single homebuyer.
Where it applies
Texas’s homesTexas’s homes, and the ones this program accepts
- 64.4% single-familysingle-family
- 2.9% townhousetownhouse
- 5.3% 2–4 units2–4 units
- 20.8% 5+ unitscondo & apartment buildings (5+ units)
- 6.7% mobile & othermobile home & other
A tick marks a kind of home the program’s record lists. The agency confirms it for the home you choose.
$283,800
Texas median home value
33.2%
built before 1980
U.S. Census Bureau, ACS 2024 5-year.
How to apply
How to applyThree steps, in this order
Take a homebuyer education course
Required by the program before funds are reserved.
Contact the administering agency to reserve funds
Funds are reserved with the provider and are subject to availability.
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 homebuyer can take it to a lender or housing counselor.
Questions about this program
What is Homeownership Across Texas?
Homeownership Across Texas is a grant for homebuyers in Texas. TSAHC (Texas State Affordable Housing Corporation) statewide grant program providing 3-5% of the loan amount for down payment and closing costs. Grant requires no repayment. Available to all qualifying homebuyers (not limited to first-time buyers). Available statewide except in El Paso, Grand Prairie, McKinney, and Travis County. 3% grant with FHA, VA, or USDA loans. 5% grant with conventional loans. no repayment required. no recapture period. no first-time homebuyer requirement. available statewide except El Paso, Grand Prairie, McKinney, and Travis County. Funding comes from State.
Do you have to pay it back?
Homeownership Across Texas 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?
Homeownership Across Texas is open to homebuyers who will live in the home as their primary residence. The program lists a minimum credit score of 620. A homebuyer education course is required. Citizenship or immigration status: U.S. Citizen or Permanent Resident. No first-time homebuyer requirement.
What are the income limits?
Homeownership Across Texas limits household income to 115% of the area median income, which varies by county and household size. 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?
Homeownership Across Texas can be used for Single Family, Condo, and Townhouse. New construction is eligible.
Where does it apply?
Homeownership Across Texas serves homebuyers purchasing anywhere in Texas. The program gives priority to designated target areas, so the address matters as well as the county.
How do you apply?
Applications for Homeownership Across Texas go through the administering agency, which publishes the current terms and the application steps on its own site. Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.
Also for Texas homebuyersOther programs open to Texas homebuyers
- FHLBank Dallas HAVEN ProgramUp to $25,000
- FHLBank Dallas HELP ProgramUp to $25,000
- NeighborhoodLIFT ProgramUp to $15,000
Whether two programs can be combined is up to each agency. Ask before you apply.
All 112 programs for TexasProgram terms are set by the administering agency and can change; confirm on the official site before you apply.