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NeighborhoodLIFT Program

Texas

Last verified
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Assistance

$15,000

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 NeighborhoodLIFT Program?

NeighborhoodLIFT Program is a grant for homebuyers in Texas.

  • NeighborhoodLIFT is a collaboration among Wells Fargo, NeighborWorks America, and local NeighborWorks organizations that provides down payment assistance grants of up to $15,000 to income-eligible homebuyers in targeted markets. In Texas, the program has operated in Houston and Dallas-Fort Worth. As of 2025 the BCL of Texas funds may be available on a first-come, first-served basis.
  • Up to $15,000 grant.
  • No repayment if 5-year occupancy met.
  • Homebuyer education included.
  • 5-year deferred forgivable second lien.
  • Funding comes from Nonprofit and Private (Wells Fargo).

How much assistance does it provide?

NeighborhoodLIFT Program offers up to $15,000 in assistance.

  • Amounts are the program's published maximums, not an offer — the administering agency determines any individual award.

Do you have to pay it back?

NeighborhoodLIFT 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?

NeighborhoodLIFT 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?

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

  • At or below 80% AMI (varies by metro).
  • 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?

NeighborhoodLIFT Program can be used for Single-family.

  • New construction is eligible.

Where does it apply?

NeighborhoodLIFT Program serves buyers 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 NeighborhoodLIFT 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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